654 W Main St APT BTustinCA92780
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 654 W Main St APT B, Tustin, CA, 92780 in Tustin is narrow, $19/mo net on $3,482/mo rent after the $2,518/mo debt service, but the property operates at break-even-plus, not a loss. At $559,900 with a 7.46% yield, the long-run equity case via 5% appreciation ($154,690 over five years) and $5,157/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $213,473.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.0% |
| Monthly Cash Flow | $19 | $300 |
City averages based on Tustin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,482 |
| Total Monthly Debt Service | $3,241 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 1963
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92780, Tustin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,643 (100%) |
| Owner Occupied HU | 7,834 (42.0%) |
| Renter Occupied HU | 10,189 (54.7%) |
| Vacant Housing Units | 620 ( 3.3%) |
| Median Home Value | $878,171 |
| Average Home Value | $891,218 |
Housing Distribution
Address Breakdown
Residential
18,698
Single Family
13,817
Multi-Family
4,881
Businesses
3,252
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
Townhouse
Built in 1963
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92780, Tustin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,643 (100%) |
| Owner Occupied HU | 7,834 (42.0%) |
| Renter Occupied HU | 10,189 (54.7%) |
| Vacant Housing Units | 620 ( 3.3%) |
| Median Home Value | $878,171 |
| Average Home Value | $891,218 |
Housing Distribution
Address Breakdown
Residential
18,698
Single Family
13,817
Multi-Family
4,881
Businesses
3,252
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maria Rodriguez • Mission Capital Inc.
Mls Name: CRMLS
Mls ID: #PW25219852