40647 Melrose DrTemeculaCA92591
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 40647 Melrose Dr, Temecula, CA, 92591 in Temecula deserves attention. This $526,000 property earns $4,888/mo in rent, a 11.15% gross yield, and nets $1,354/mo after the $2,365/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $145,324 compounds alongside $4,845/yr in yearly equity build, for a total cumulative return of $287,817.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $1,354 | $300 |
City averages based on Temecula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,888 |
| Total Monthly Debt Service | $3,325 |
| DSCR Ratio | 1.47x |
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.
Townhouse
Built in 2023
N/A lot
$N/A/sqft
$280 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92591, Temecula, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,925 (100%) |
| Owner Occupied HU | 9,864 (61.9%) |
| Renter Occupied HU | 5,341 (33.5%) |
| Vacant Housing Units | 720 ( 4.5%) |
| Median Home Value | $682,401 |
| Average Home Value | $736,482 |
Housing Distribution
Address Breakdown
Residential
15,275
Single Family
12,346
Multi-Family
2,929
Businesses
979
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 2023
N/A lot
$N/A/sqft
$280 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92591, Temecula, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,925 (100%) |
| Owner Occupied HU | 9,864 (61.9%) |
| Renter Occupied HU | 5,341 (33.5%) |
| Vacant Housing Units | 720 ( 4.5%) |
| Median Home Value | $682,401 |
| Average Home Value | $736,482 |
Housing Distribution
Address Breakdown
Residential
15,275
Single Family
12,346
Multi-Family
2,929
Businesses
979
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices