3866 Obsidian RdSan BernardinoCA92407
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.7% yield at 3866 Obsidian Rd, San Bernardino, CA, 92407 in San Bernardino is solid, but the $2,743/mo payment compresses net cash flow to $21/mo at $610,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $168,532 by year five, and $5,618/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $240,508.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.8% |
| Monthly Cash Flow | $21 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,916 |
| Total Monthly Debt Service | $3,531 |
| DSCR Ratio | 1.11x |
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 2010
4,851 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 2010
4,851 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
Listed by: Cheryleigh Aday • HERITAGE REALTY
Mls Name: CRMLS
Mls ID: #CV25251168