502 E 9th StHoltvilleCA92250
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 502 E 9th St, Holtville, CA, 92250 in Holtville is capital appreciation. Rental yield 4.74%. The 4.74% gross yield at $395,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $109,131 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.88) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $92,940.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.2% |
| Monthly Cash Flow | $(884) | $150 |
City averages based on Holtville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $2,286 |
| DSCR Ratio | 0.68x |
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 1970
10,713 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92250, Holtville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,697 (100%) |
| Owner Occupied HU | 1,488 (55.2%) |
| Renter Occupied HU | 1,034 (38.3%) |
| Vacant Housing Units | 175 ( 6.5%) |
| Median Home Value | $363,035 |
| Average Home Value | $363,340 |
Housing Distribution
Address Breakdown
Residential
2,567
Single Family
2,469
Multi-Family
98
Businesses
190
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 1970
10,713 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92250, Holtville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,697 (100%) |
| Owner Occupied HU | 1,488 (55.2%) |
| Renter Occupied HU | 1,034 (38.3%) |
| Vacant Housing Units | 175 ( 6.5%) |
| Median Home Value | $363,035 |
| Average Home Value | $363,340 |
Housing Distribution
Address Breakdown
Residential
2,567
Single Family
2,469
Multi-Family
98
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Moises Hernandez • DMA Real Estate
Mls Name: ICAOR
Mls ID: #26646729IC