643 Via Santa PauloVistaCA92081
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder643 Via Santa Paulo, Vista, CA, 92081 in Vista is a stable, well-positioned rental at $549,900. Rental yield 7.04%. DSCR 1.30 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $151,927 in value and $5,065/yr in principal paydown builds equity, a total projected return of $197,193.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.0% |
| Monthly Cash Flow | $(176) | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,226 |
| Total Monthly Debt Service | $3,183 |
| DSCR Ratio | 1.01x |
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 1988
6,534 sqft lot
$N/A/sqft
No HOA
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
Manufactured
Built in 1988
6,534 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Doug Ross • Doug Ross Real Estate
Mls Name: SDMLS
Mls ID: #250037657