5620 Rancho Del CaballoBonsallCA92003
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.13% gross rental yield, 5620 Rancho Del Caballo, Bonsall, CA, 92003 in Bonsall is priced for capital growth, not immediate cash flow. The $1,550,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $428,236 by year five, with $14,276/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.77) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $313,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.0% |
| Monthly Cash Flow | $(4,254) | $600 |
City averages based on Bonsall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,335 |
| Total Monthly Debt Service | $8,972 |
| DSCR Ratio | 0.59x |
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 2014
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92003, Bonsall, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,190 (100%) |
| Owner Occupied HU | 1,588 (72.5%) |
| Renter Occupied HU | 424 (19.4%) |
| Vacant Housing Units | 178 ( 8.1%) |
| Median Home Value | $1,098,404 |
| Average Home Value | $1,218,994 |
Housing Distribution
Address Breakdown
Residential
1,978
Single Family
1,757
Multi-Family
221
Businesses
294
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 2014
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92003, Bonsall, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,190 (100%) |
| Owner Occupied HU | 1,588 (72.5%) |
| Renter Occupied HU | 424 (19.4%) |
| Vacant Housing Units | 178 ( 8.1%) |
| Median Home Value | $1,098,404 |
| Average Home Value | $1,218,994 |
Housing Distribution
Address Breakdown
Residential
1,978
Single Family
1,757
Multi-Family
221
Businesses
294
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anne D Gold • Compass California III, Inc. dba Compass
Mls Name: SDMLS
Mls ID: #250033302