6 WhitecloudIrvineCA92614
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 6 Whitecloud, Irvine, CA, 92614 in Irvine fits: $1,688,888, 3.54% gross yield, and a projected 5% annual appreciation rate adding $466,609 in value within five years. Rental yield 3.54%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.66) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $15,555/yr in principal paydown and $466,609 in appreciation project a total return of $289,003.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 5.1% |
| Monthly Cash Flow | $(5,608) | $300 |
City averages based on Irvine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,987 |
| Total Monthly Debt Service | $9,776 |
| DSCR Ratio | 0.51x |
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 1979
4,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92614, Irvine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,901 (100%) |
| Owner Occupied HU | 4,520 (32.5%) |
| Renter Occupied HU | 8,211 (59.1%) |
| Vacant Housing Units | 1,170 ( 8.4%) |
| Median Home Value | $1,121,283 |
| Average Home Value | $1,165,840 |
Housing Distribution
Address Breakdown
Residential
12,693
Single Family
9,846
Multi-Family
2,847
Businesses
2,371
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 1979
4,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92614, Irvine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,901 (100%) |
| Owner Occupied HU | 4,520 (32.5%) |
| Renter Occupied HU | 8,211 (59.1%) |
| Vacant Housing Units | 1,170 ( 8.4%) |
| Median Home Value | $1,121,283 |
| Average Home Value | $1,165,840 |
Housing Distribution
Address Breakdown
Residential
12,693
Single Family
9,846
Multi-Family
2,847
Businesses
2,371
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC26042925