615 Lilac LnImperialCA92251
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.88% yield at 615 Lilac Ln, Imperial, CA, 92251 in Imperial is solid, but the $2,221/mo payment compresses net cash flow to $149/mo at $494,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $136,483 by year five, and $4,550/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.46) without U.S. income documentation. Total projected return: $197,161.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.2% |
| Monthly Cash Flow | $149 | $350 |
City averages based on Imperial market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,244 |
| Total Monthly Debt Service | $2,898 |
| DSCR Ratio | 1.12x |
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 1994
8,288 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92251, Imperial, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,325 (100%) |
| Owner Occupied HU | 5,105 (69.7%) |
| Renter Occupied HU | 1,949 (26.6%) |
| Vacant Housing Units | 271 ( 3.7%) |
| Median Home Value | $357,752 |
| Average Home Value | $374,368 |
Housing Distribution
Address Breakdown
Residential
7,800
Single Family
7,604
Multi-Family
196
Businesses
373
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 1994
8,288 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92251, Imperial, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,325 (100%) |
| Owner Occupied HU | 5,105 (69.7%) |
| Renter Occupied HU | 1,949 (26.6%) |
| Vacant Housing Units | 271 ( 3.7%) |
| Median Home Value | $357,752 |
| Average Home Value | $374,368 |
Housing Distribution
Address Breakdown
Residential
7,800
Single Family
7,604
Multi-Family
196
Businesses
373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Victor D. Conner • Victor D. Conner, Broker
Mls Name: ICAOR
Mls Provider:
Mls ID: #25534137IC
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