623 Via Santa PauloVistaCA92081
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 623 Via Santa Paulo, Vista, CA, 92081 in Vista: $5,926/mo in rent, $2,045/mo net, 12.28% gross yield, all on a $579,000 acquisition. The 2.28 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $159,967 in value, and $5,333/yr in principal paydown steadily builds equity. Projected total cumulative return: $352,392.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.0% |
| Monthly Cash Flow | $2,045 | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,926 |
| Total Monthly Debt Service | $3,651 |
| DSCR Ratio | 1.62x |
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.
Manufactured
Built in 1994
4,965 sqft lot
$N/A/sqft
$98 monthly HOA
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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
Manufactured
Built in 1994
4,965 sqft lot
$N/A/sqft
$98 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices