3937 Scarlet Oak CtSan BernardinoCA92407
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 3937 Scarlet Oak Ct, San Bernardino, CA, 92407 in San Bernardino worth modelling. At $669,000 with a 7.55% gross yield, the $4,208/mo rent leaves $70/mo after the $3,008/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.40 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $184,832 by year five; $6,162/yr in principal reduction adds further equity. Total projected return: $258,142.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.8% |
| Monthly Cash Flow | $70 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,208 |
| Total Monthly Debt Service | $3,872 |
| 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 2018
4,998 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 2018
4,998 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: Raghda Ali • Keller Williams Realty
Mls Name: CRMLS
Mls ID: #IG25191087