4237 Marco RdPhelanCA92371
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8% yield at 4237 Marco Rd, Phelan, CA, 92371 in Phelan is solid, but the $1,780/mo payment compresses net cash flow to $191/mo at $395,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $109,380 by year five, and $3,646/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.48) without U.S. income documentation. Total projected return: $162,415.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $191 | $250 |
City averages based on Phelan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $2,292 |
| DSCR Ratio | 1.15x |
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.
Manufactured
Built in 1985
2.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
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
Manufactured
Built in 1985
2.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices