4045 Warner AveHuntington BeachCA92649
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4045 Warner Ave, Huntington Beach, CA, 92649 in Huntington Beach fits: $1,495,000, 4.12% gross yield, and a projected 5% annual appreciation rate adding $413,041 in value within five years. Rental yield 4.12%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.76) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,769/yr in principal paydown and $413,041 in appreciation project a total return of $302,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.5% |
| Monthly Cash Flow | $(4,114) | $300 |
City averages based on Huntington Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,135 |
| Total Monthly Debt Service | $8,654 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 1965
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92649, Huntington Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,088 (100%) |
| Owner Occupied HU | 8,877 (58.8%) |
| Renter Occupied HU | 5,488 (36.4%) |
| Vacant Housing Units | 723 ( 4.8%) |
| Median Home Value | $1,267,551 |
| Average Home Value | $1,345,639 |
Housing Distribution
Address Breakdown
Residential
15,122
Single Family
10,739
Multi-Family
4,383
Businesses
1,605
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
Townhouse
Built in 1965
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92649, Huntington Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,088 (100%) |
| Owner Occupied HU | 8,877 (58.8%) |
| Renter Occupied HU | 5,488 (36.4%) |
| Vacant Housing Units | 723 ( 4.8%) |
| Median Home Value | $1,267,551 |
| Average Home Value | $1,345,639 |
Housing Distribution
Address Breakdown
Residential
15,122
Single Family
10,739
Multi-Family
4,383
Businesses
1,605
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karen Branoff • First Team Real Estate
Mls Name: CRMLS
Mls ID: #OC25223472