645 Ziegler WayPlacentiaCA92870
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 645 Ziegler Way, Placentia, CA, 92870 in Placentia is narrow, $82/mo net on $7,429/mo rent after the $5,171/mo debt service, but the property operates at break-even-plus, not a loss. At $1,150,000 with a 7.75% yield, the long-run equity case via 5% appreciation ($317,724 over five years) and $10,592/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $442,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $82 | $300 |
City averages based on Placentia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,429 |
| Total Monthly Debt Service | $6,889 |
| DSCR Ratio | 1.08x |
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
2,960 sqft lot
$N/A/sqft
$183 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92870, Placentia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,183 (100%) |
| Owner Occupied HU | 10,947 (60.2%) |
| Renter Occupied HU | 6,717 (36.9%) |
| Vacant Housing Units | 519 ( 2.9%) |
| Median Home Value | $938,079 |
| Average Home Value | $998,754 |
Housing Distribution
Address Breakdown
Residential
17,810
Single Family
15,727
Multi-Family
2,083
Businesses
1,331
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
2,960 sqft lot
$N/A/sqft
$183 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92870, Placentia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,183 (100%) |
| Owner Occupied HU | 10,947 (60.2%) |
| Renter Occupied HU | 6,717 (36.9%) |
| Vacant Housing Units | 519 ( 2.9%) |
| Median Home Value | $938,079 |
| Average Home Value | $998,754 |
Housing Distribution
Address Breakdown
Residential
17,810
Single Family
15,727
Multi-Family
2,083
Businesses
1,331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices