43965 Towne StIndioCA92201
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play43965 Towne St, Indio, CA, 92201 in Indio is priced for appreciation, not yield. Rental yield 1.87%. At $1,900,000 with a 1.87% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $524,935 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.35) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $155,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 5.5% |
| Monthly Cash Flow | $(8,786) | $1,250 |
City averages based on Indio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,968 |
| Total Monthly Debt Service | $10,998 |
| DSCR Ratio | 0.27x |
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 1986
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92201, Indio, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,307 (100%) |
| Owner Occupied HU | 12,137 (48.0%) |
| Renter Occupied HU | 9,279 (36.7%) |
| Vacant Housing Units | 3,891 (15.4%) |
| Median Home Value | $480,178 |
| Average Home Value | $519,362 |
Housing Distribution
Address Breakdown
Residential
21,120
Single Family
18,242
Multi-Family
2,878
Businesses
1,326
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 1986
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92201, Indio, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,307 (100%) |
| Owner Occupied HU | 12,137 (48.0%) |
| Renter Occupied HU | 9,279 (36.7%) |
| Vacant Housing Units | 3,891 (15.4%) |
| Median Home Value | $480,178 |
| Average Home Value | $519,362 |
Housing Distribution
Address Breakdown
Residential
21,120
Single Family
18,242
Multi-Family
2,878
Businesses
1,326
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Maciel-Gibbons • BPO Homes
Mls Name: CRMLS
Mls ID: #219132191DA