367 N Richard StOrangeCA92869
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 367 N Richard St, Orange, CA, 92869 in Orange is narrow, $97/mo net on $5,974/mo rent after the $4,272/mo debt service, but the property operates at break-even-plus, not a loss. At $950,000 with a 7.55% yield, the long-run equity case via 5% appreciation ($262,467 over five years) and $8,750/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $366,423.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.2% |
| Monthly Cash Flow | $97 | $1,200 |
City averages based on Orange market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,974 |
| Total Monthly Debt Service | $5,499 |
| DSCR Ratio | 1.09x |
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 1976
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92869, Orange, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,095 (100%) |
| Owner Occupied HU | 8,872 (73.4%) |
| Renter Occupied HU | 2,940 (24.3%) |
| Vacant Housing Units | 283 ( 2.3%) |
| Median Home Value | $1,072,388 |
| Average Home Value | $1,183,430 |
Housing Distribution
Address Breakdown
Residential
12,088
Single Family
10,537
Multi-Family
1,551
Businesses
428
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 1976
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92869, Orange, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,095 (100%) |
| Owner Occupied HU | 8,872 (73.4%) |
| Renter Occupied HU | 2,940 (24.3%) |
| Vacant Housing Units | 283 ( 2.3%) |
| Median Home Value | $1,072,388 |
| Average Home Value | $1,183,430 |
Housing Distribution
Address Breakdown
Residential
12,088
Single Family
10,537
Multi-Family
1,551
Businesses
428
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices