492 Sandalwood DrEl CentroCA92243
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 492 Sandalwood Dr, El Centro, CA, 92243 in El Centro offers a clean, manageable entry. Rental yield 6.34%. DSCR 1.18 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $138,003 in additional property value over five years, with $4,600/yr in principal equity building ownership stake. Total projected cumulative return: $160,435.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 5.0% |
| Monthly Cash Flow | $(450) | $300 |
City averages based on El Centro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $2,891 |
| DSCR Ratio | 0.91x |
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 1926
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
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 1926
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adrienne Estrada • Tier 1 Realty
Mls Name: ICAOR
Mls ID: #25597063IC