3578 Gopher Canyon RdVistaCA92084
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing3578 Gopher Canyon Rd, Vista, CA, 92084 in Vista is a stable, well-positioned rental at $1,195,000. Rental yield 6.36%. DSCR 1.18 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $330,156 in value and $11,006/yr in principal paydown builds equity, a total projected return of $384,847.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.0% |
| Monthly Cash Flow | $(1,061) | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,331 |
| Total Monthly Debt Service | $6,917 |
| DSCR Ratio | 0.92x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1999
2.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1999
2.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ever Eternity • Pacific Sotheby's Int'l Realty
Mls Name: CRMLS
Mls ID: #PTP2507122