410 W 8th StUplandCA91786
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 410 W 8th St, Upland, CA, 91786 in Upland: $6,209/mo in rent, $1,576/mo in net income, 9.95% gross yield, 1.84 DSCR, all at $748,888. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $206,904 in appreciation and $6,897/yr in principal paydown projects total cumulative return of $385,415.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.2% |
| Monthly Cash Flow | $1,576 | $230 |
City averages based on Upland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,209 |
| Total Monthly Debt Service | $4,335 |
| DSCR Ratio | 1.43x |
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 1956
8,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
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 1956
8,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices