632 Via UmbrosoSan ClementeCA92672
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 632 Via Umbroso, San Clemente, CA, 92672 in San Clemente at $1,400,000. Rental yield 7.58%. The 7.58% yield and 1.40 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $386,794 by year five, and $12,894/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $526,131.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $(91) | $2,500 |
City averages based on San Clemente market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,839 |
| Total Monthly Debt Service | $8,374 |
| DSCR Ratio | 1.06x |
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.
Condo
Built in 1985
N/A lot
$N/A/sqft
$270 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92672, San Clemente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,436 (100%) |
| Owner Occupied HU | 7,597 (43.6%) |
| Renter Occupied HU | 7,886 (45.2%) |
| Vacant Housing Units | 1,953 (11.2%) |
| Median Home Value | $1,510,683 |
| Average Home Value | $1,527,831 |
Housing Distribution
Address Breakdown
Residential
17,065
Single Family
13,709
Multi-Family
3,356
Businesses
1,348
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
Condo
Built in 1985
N/A lot
$N/A/sqft
$270 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92672, San Clemente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,436 (100%) |
| Owner Occupied HU | 7,597 (43.6%) |
| Renter Occupied HU | 7,886 (45.2%) |
| Vacant Housing Units | 1,953 (11.2%) |
| Median Home Value | $1,510,683 |
| Average Home Value | $1,527,831 |
Housing Distribution
Address Breakdown
Residential
17,065
Single Family
13,709
Multi-Family
3,356
Businesses
1,348
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices