634 S 7th StEl CentroCA92243
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 634 S 7th St, El Centro, CA, 92243 in El Centro. At $319,900 it earns $2,640/mo in rent and distributes $661/mo to the owner after the $1,438/mo payment, a consistent 9.9% yield. DSCR 1.84 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $88,382 in value; $2,946/yr in principal paydown compounds ownership stake. Total projected return: $163,859.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 5.0% |
| Monthly Cash Flow | $661 | $300 |
City averages based on El Centro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.43x |
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 2025
3,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
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 2025
3,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ray Roben • Roben Real Estate
Mls Name: ICAOR
Mls ID: #26640207IC