45600 La Cruz DrTemeculaCA92590
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 45600 La Cruz Dr, Temecula, CA, 92590 in Temecula is capital appreciation. Rental yield 5.91%. The 5.91% gross yield at $1,150,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $317,724 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.10) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $342,878.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(1,452) | $300 |
City averages based on Temecula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,666 |
| Total Monthly Debt Service | $6,657 |
| DSCR Ratio | 0.85x |
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.
Single Family
Built in 2004
4.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92590, Temecula, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,197 (100%) |
| Owner Occupied HU | 717 (32.6%) |
| Renter Occupied HU | 1,262 (57.4%) |
| Vacant Housing Units | 218 ( 9.9%) |
| Median Home Value | $1,168,660 |
| Average Home Value | $1,284,609 |
Housing Distribution
Address Breakdown
Residential
1,883
Single Family
1,769
Multi-Family
114
Businesses
2,141
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 2004
4.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92590, Temecula, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,197 (100%) |
| Owner Occupied HU | 717 (32.6%) |
| Renter Occupied HU | 1,262 (57.4%) |
| Vacant Housing Units | 218 ( 9.9%) |
| Median Home Value | $1,168,660 |
| Average Home Value | $1,284,609 |
Housing Distribution
Address Breakdown
Residential
1,883
Single Family
1,769
Multi-Family
114
Businesses
2,141
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Allison Bjoin • CENTURY 21 Affiliated
Mls Name: CRMLS
Mls ID: #SW26018018