4122 Rowland AveEl MonteCA91731
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4122 Rowland Ave, El Monte, CA, 91731 in El Monte fits: $949,999, 4.74% gross yield, and a projected 5% annual appreciation rate adding $262,467 in value within five years. Rental yield 4.74%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.88) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,750/yr in principal paydown and $262,467 in appreciation project a total return of $223,263.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.0% |
| Monthly Cash Flow | $(2,128) | $1,200 |
City averages based on El Monte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,749 |
| Total Monthly Debt Service | $5,499 |
| DSCR Ratio | 0.68x |
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.
Multi Family
Built in 1958
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91731, El Monte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,520 (100%) |
| Owner Occupied HU | 3,055 (35.9%) |
| Renter Occupied HU | 5,242 (61.5%) |
| Vacant Housing Units | 223 ( 2.6%) |
| Median Home Value | $666,314 |
| Average Home Value | $708,455 |
Housing Distribution
Address Breakdown
Residential
8,381
Single Family
5,759
Multi-Family
2,622
Businesses
1,794
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
Multi Family
Built in 1958
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91731, El Monte, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,520 (100%) |
| Owner Occupied HU | 3,055 (35.9%) |
| Renter Occupied HU | 5,242 (61.5%) |
| Vacant Housing Units | 223 ( 2.6%) |
| Median Home Value | $666,314 |
| Average Home Value | $708,455 |
Housing Distribution
Address Breakdown
Residential
8,381
Single Family
5,759
Multi-Family
2,622
Businesses
1,794
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Aaron Gilliam • Moon Realty
Mls Name: CRMLS
Mls ID: #AR26026779