4194 Columbia AveRiversideCA92501
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4194 Columbia Ave, Riverside, CA, 92501 in Riverside at $525,000 earns $3,425/mo in rent and nets $177/mo after the $2,361/mo payment, a 7.83% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $145,048 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $4,835/yr in principal paydown, total projected return reaches $210,448.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.8% |
| Monthly Cash Flow | $177 | $1,850 |
City averages based on Riverside market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,425 |
| Total Monthly Debt Service | $3,039 |
| DSCR Ratio | 1.13x |
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 1977
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92501, Riverside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,041 (100%) |
| Owner Occupied HU | 3,362 (41.8%) |
| Renter Occupied HU | 4,204 (52.3%) |
| Vacant Housing Units | 475 ( 5.9%) |
| Median Home Value | $591,080 |
| Average Home Value | $613,928 |
Housing Distribution
Address Breakdown
Residential
7,399
Single Family
6,429
Multi-Family
970
Businesses
1,197
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 1977
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92501, Riverside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,041 (100%) |
| Owner Occupied HU | 3,362 (41.8%) |
| Renter Occupied HU | 4,204 (52.3%) |
| Vacant Housing Units | 475 ( 5.9%) |
| Median Home Value | $591,080 |
| Average Home Value | $613,928 |
Housing Distribution
Address Breakdown
Residential
7,399
Single Family
6,429
Multi-Family
970
Businesses
1,197
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ed Garland • Century 21 Garland
Mls Name: CRMLS
Mls ID: #IG26007053