474 Elm AveChula VistaCA91910
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 474 Elm Ave, Chula Vista, CA, 91910 in Chula Vista is straightforward: $750,000 in, $5,256/mo in rent, $616/mo out after debt service. The 8.41% gross yield and 1.56 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $207,211 by year five. With $6,908/yr in principal equity, the total cumulative return is projected at $324,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $616 | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,256 |
| Total Monthly Debt Service | $4,341 |
| DSCR Ratio | 1.21x |
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 1949
7,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91910, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,114 (100%) |
| Owner Occupied HU | 12,610 (44.9%) |
| Renter Occupied HU | 14,311 (50.9%) |
| Vacant Housing Units | 1,193 ( 4.2%) |
| Median Home Value | $770,260 |
| Average Home Value | $759,874 |
Housing Distribution
Address Breakdown
Residential
27,575
Single Family
21,145
Multi-Family
6,430
Businesses
1,742
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 1949
7,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91910, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,114 (100%) |
| Owner Occupied HU | 12,610 (44.9%) |
| Renter Occupied HU | 14,311 (50.9%) |
| Vacant Housing Units | 1,193 ( 4.2%) |
| Median Home Value | $770,260 |
| Average Home Value | $759,874 |
Housing Distribution
Address Breakdown
Residential
27,575
Single Family
21,145
Multi-Family
6,430
Businesses
1,742
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Monica Vasquez • Coldwell Banker West
Mls Name: CRMLS
Mls ID: #PTP2507423