577 Chesterfield CirSan MarcosCA92069
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 577 Chesterfield Cir, San Marcos, CA, 92069 in San Marcos. At $1,100,000 it earns $7,742/mo in rent and distributes $798/mo to the owner after the $4,946/mo payment, a consistent 8.45% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $303,910 in value; $10,131/yr in principal paydown compounds ownership stake. Total projected return: $469,043.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $798 | $300 |
City averages based on San Marcos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,742 |
| Total Monthly Debt Service | $6,507 |
| DSCR Ratio | 1.19x |
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.
Single Family
Built in 2000
5,758 sqft lot
$N/A/sqft
$56 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92069, San Marcos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,165 (100%) |
| Owner Occupied HU | 8,635 (53.4%) |
| Renter Occupied HU | 6,949 (43.0%) |
| Vacant Housing Units | 581 ( 3.6%) |
| Median Home Value | $831,761 |
| Average Home Value | $858,453 |
Housing Distribution
Address Breakdown
Residential
16,064
Single Family
13,543
Multi-Family
2,521
Businesses
1,257
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 2000
5,758 sqft lot
$N/A/sqft
$56 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92069, San Marcos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,165 (100%) |
| Owner Occupied HU | 8,635 (53.4%) |
| Renter Occupied HU | 6,949 (43.0%) |
| Vacant Housing Units | 581 ( 3.6%) |
| Median Home Value | $831,761 |
| Average Home Value | $858,453 |
Housing Distribution
Address Breakdown
Residential
16,064
Single Family
13,543
Multi-Family
2,521
Businesses
1,257
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices