405 Whispering Willow Dr UNIT CSanteeCA92071
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 405 Whispering Willow Dr UNIT C, Santee, CA, 92071 in Santee. Rental yield 7.15%. The 1.32 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $186,490 and $6,217/yr in principal reduction project total return of $207,756.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.0% |
| Monthly Cash Flow | $(792) | $1,500 |
City averages based on Santee market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,020 |
| Total Monthly Debt Service | $4,544 |
| DSCR Ratio | 0.88x |
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.
Condo
Built in 1996
6.16 Acres lot
$N/A/sqft
$385 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92071, Santee, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,507 (100%) |
| Owner Occupied HU | 15,309 (68.0%) |
| Renter Occupied HU | 6,547 (29.1%) |
| Vacant Housing Units | 651 ( 2.9%) |
| Median Home Value | $754,687 |
| Average Home Value | $775,783 |
Housing Distribution
Address Breakdown
Residential
21,475
Single Family
19,574
Multi-Family
1,901
Businesses
1,335
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
Condo
Built in 1996
6.16 Acres lot
$N/A/sqft
$385 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92071, Santee, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,507 (100%) |
| Owner Occupied HU | 15,309 (68.0%) |
| Renter Occupied HU | 6,547 (29.1%) |
| Vacant Housing Units | 651 ( 2.9%) |
| Median Home Value | $754,687 |
| Average Home Value | $775,783 |
Housing Distribution
Address Breakdown
Residential
21,475
Single Family
19,574
Multi-Family
1,901
Businesses
1,335
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Morgan Baiton • Douglas Elliman of California, Inc.
Mls Name: SDMLS
Mls Provider:
Mls ID: #250025209
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