3778 Shandin DrSan BernardinoCA92407
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder3778 Shandin Dr, San Bernardino, CA, 92407 in San Bernardino is a stable, well-positioned rental at $789,000. Rental yield 7.31%. DSCR 1.35 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $217,986 in value and $7,267/yr in principal paydown builds equity, a total projected return of $294,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.8% |
| Monthly Cash Flow | $(76) | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,805 |
| Total Monthly Debt Service | $4,567 |
| DSCR Ratio | 1.05x |
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 1994
8,185 sqft 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 1994
8,185 sqft 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