3590 W Emerson CtSan BernardinoCA92407
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3590 W Emerson Ct, San Bernardino, CA, 92407 in San Bernardino at $1,489,000, 1.79% gross yield, is a market-growth asset. Rental yield 1.79%. The $2,220/mo rent partially funds the $6,695/mo debt service; the core return is the 5%/yr price growth projected to add $411,383 over five years. Ziffy Mortgage's DSCR mortgage (0.33) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $114,729.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 4.8% |
| Monthly Cash Flow | $(6,991) | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $8,619 |
| DSCR Ratio | 0.26x |
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 2026
1.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92407, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,426 (100%) |
| Owner Occupied HU | 12,106 (59.3%) |
| Renter Occupied HU | 7,110 (34.8%) |
| Vacant Housing Units | 1,210 ( 5.9%) |
| Median Home Value | $554,982 |
| Average Home Value | $568,602 |
Housing Distribution
Address Breakdown
Residential
19,278
Single Family
16,561
Multi-Family
2,717
Businesses
499
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 2026
1.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92407, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,426 (100%) |
| Owner Occupied HU | 12,106 (59.3%) |
| Renter Occupied HU | 7,110 (34.8%) |
| Vacant Housing Units | 1,210 ( 5.9%) |
| Median Home Value | $554,982 |
| Average Home Value | $568,602 |
Housing Distribution
Address Breakdown
Residential
19,278
Single Family
16,561
Multi-Family
2,717
Businesses
499
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #IV26067215