490 Lytle Creek RdLytle CreekCA92358
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.3% gross rental yield, 490 Lytle Creek Rd, Lytle Creek, CA, 92358 in Lytle Creek is priced for capital growth, not immediate cash flow. The $1,990,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $549,800 by year five, with $18,328/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.24) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $101,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 6.0% |
| Monthly Cash Flow | $(10,148) | $1,200 |
City averages based on Lytle Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,162 |
| Total Monthly Debt Service | $11,519 |
| DSCR Ratio | 0.19x |
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 1974
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92358, Lytle Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 402 (100%) |
| Owner Occupied HU | 238 (59.2%) |
| Renter Occupied HU | 88 (21.9%) |
| Vacant Housing Units | 76 (18.9%) |
| Median Home Value | $653,509 |
| Average Home Value | $663,550 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
13
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 1974
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92358, Lytle Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 402 (100%) |
| Owner Occupied HU | 238 (59.2%) |
| Renter Occupied HU | 88 (21.9%) |
| Vacant Housing Units | 76 (18.9%) |
| Median Home Value | $653,509 |
| Average Home Value | $663,550 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sung Yi • One Properties
Mls Name: CLAW
Mls ID: #25598857