45891 Coyote StBanningCA92220
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Banning rentals match the income profile of 45891 Coyote St, Banning, CA, 92220. Listed at $282,499, gross rent is $3,023/mo and net cash flow is $1,220/mo, a 12.84% yield well above national averages. DSCR 2.38 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $78,049 by year five with $2,602/yr in annual principal reduction, projecting $185,957 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 8.0% |
| Monthly Cash Flow | $1,220 | $1,500 |
City averages based on Banning market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $1,690 |
| DSCR Ratio | 1.79x |
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 1968
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92220, Banning, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,184 (100%) |
| Owner Occupied HU | 9,545 (67.3%) |
| Renter Occupied HU | 3,802 (26.8%) |
| Vacant Housing Units | 837 ( 5.9%) |
| Median Home Value | $444,674 |
| Average Home Value | $504,781 |
Housing Distribution
Address Breakdown
Residential
12,885
Single Family
12,559
Multi-Family
326
Businesses
695
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 1968
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92220, Banning, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,184 (100%) |
| Owner Occupied HU | 9,545 (67.3%) |
| Renter Occupied HU | 3,802 (26.8%) |
| Vacant Housing Units | 837 ( 5.9%) |
| Median Home Value | $444,674 |
| Average Home Value | $504,781 |
Housing Distribution
Address Breakdown
Residential
12,885
Single Family
12,559
Multi-Family
326
Businesses
695
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices