405 Joann CirVistaCA92084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Vista rental at 405 Joann Cir, Vista, CA, 92084 sits in the solid-income band: 8.01% gross yield, $4,934/mo rent, $360/mo net after the $3,325/mo debt service, DSCR 1.48. Entry price of $739,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $204,310 and $6,811/yr in principal reduction bring total cumulative return to $303,528.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $360 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,934 |
| Total Monthly Debt Service | $4,280 |
| DSCR Ratio | 1.15x |
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 1985
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
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 1985
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Weichelt • eXp Realty of Southern California, Inc.
Mls Name: SDMLS
Mls ID: #260004233