38779 Williams StYermoCA92398
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 38779 Williams St, Yermo, CA, 92398 in Yermo deserves attention. This $279,900 property earns $2,431/mo in rent, a 10.42% gross yield, and nets $700/mo after the $1,259/mo payment. DSCR 1.93 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $77,331 compounds alongside $2,578/yr in yearly equity build, for a total cumulative return of $151,144.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $700 | $300 |
City averages based on Yermo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,431 |
| Total Monthly Debt Service | $1,620 |
| DSCR Ratio | 1.50x |
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 1980
8,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92398, Yermo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 569 (100%) |
| Owner Occupied HU | 309 (54.3%) |
| Renter Occupied HU | 177 (31.1%) |
| Vacant Housing Units | 83 (14.6%) |
| Median Home Value | $108,712 |
| Average Home Value | $201,780 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
36
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 1980
8,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92398, Yermo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 569 (100%) |
| Owner Occupied HU | 309 (54.3%) |
| Renter Occupied HU | 177 (31.1%) |
| Vacant Housing Units | 83 (14.6%) |
| Median Home Value | $108,712 |
| Average Home Value | $201,780 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Flores • Dee-Lux Realty, Inc.
Mls Name: CRMLS
Mls ID: #HD25273127