3635 Opal StRiversideCA92509
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3635 Opal St, Riverside, CA, 92509 in Riverside. Priced at $535,000, it generates $4,883/mo in gross rent and $1,573/mo in net monthly cash flow, a 10.95% yield that comfortably supports the 2.03 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,878. Five-year appreciation: $147,811. Equity from principal paydown: $4,927/yr. Total projected cumulative return: $304,080.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.8% |
| Monthly Cash Flow | $1,573 | $1,850 |
City averages based on Riverside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,883 |
| Total Monthly Debt Service | $3,097 |
| DSCR Ratio | 1.58x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1957
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92509, Riverside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,825 (100%) |
| Owner Occupied HU | 14,873 (68.1%) |
| Renter Occupied HU | 6,378 (29.2%) |
| Vacant Housing Units | 574 ( 2.6%) |
| Median Home Value | $591,653 |
| Average Home Value | $586,415 |
Housing Distribution
Address Breakdown
Residential
20,849
Single Family
19,766
Multi-Family
1,083
Businesses
937
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 1957
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92509, Riverside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,825 (100%) |
| Owner Occupied HU | 14,873 (68.1%) |
| Renter Occupied HU | 6,378 (29.2%) |
| Vacant Housing Units | 574 ( 2.6%) |
| Median Home Value | $591,653 |
| Average Home Value | $586,415 |
Housing Distribution
Address Breakdown
Residential
20,849
Single Family
19,766
Multi-Family
1,083
Businesses
937
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices