5077 ScholarshipIrvineCA92612
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5077 Scholarship, Irvine, CA, 92612 in Irvine at $995,000 earns $7,804/mo in rent and nets $138/mo after the $4,474/mo payment, a 9.41% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $274,900 over five years. Ziffy Mortgage underwrites this on a 1.74 DSCR without U.S. credit history. With $9,164/yr in principal paydown, total projected return reaches $392,768.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.1% |
| Monthly Cash Flow | $138 | $300 |
City averages based on Irvine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,804 |
| Total Monthly Debt Service | $7,270 |
| DSCR Ratio | 1.07x |
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.
Condo
Built in 2007
N/A lot
$N/A/sqft
$1,412 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92612, Irvine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,591 (100%) |
| Owner Occupied HU | 4,561 (25.9%) |
| Renter Occupied HU | 11,042 (62.8%) |
| Vacant Housing Units | 1,988 (11.3%) |
| Median Home Value | $1,069,756 |
| Average Home Value | $1,221,478 |
Housing Distribution
Address Breakdown
Residential
15,886
Single Family
8,746
Multi-Family
7,140
Businesses
1,383
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
Condo
Built in 2007
N/A lot
$N/A/sqft
$1,412 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92612, Irvine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,591 (100%) |
| Owner Occupied HU | 4,561 (25.9%) |
| Renter Occupied HU | 11,042 (62.8%) |
| Vacant Housing Units | 1,988 (11.3%) |
| Median Home Value | $1,069,756 |
| Average Home Value | $1,221,478 |
Housing Distribution
Address Breakdown
Residential
15,886
Single Family
8,746
Multi-Family
7,140
Businesses
1,383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices