664 W 14th StSan BernardinoCA92405
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Bernardino rental at 664 W 14th St, San Bernardino, CA, 92405 sits in the solid-income band: 9.61% gross yield, $3,302/mo rent, $751/mo net after the $1,855/mo debt service, DSCR 1.78. Entry price of $412,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $113,966 and $3,799/yr in principal reduction bring total cumulative return to $204,718.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 4.8% |
| Monthly Cash Flow | $751 | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,302 |
| Total Monthly Debt Service | $2,388 |
| DSCR Ratio | 1.38x |
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 1916
6,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92405, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,649 (100%) |
| Owner Occupied HU | 4,573 (47.4%) |
| Renter Occupied HU | 4,731 (49.0%) |
| Vacant Housing Units | 345 ( 3.6%) |
| Median Home Value | $440,385 |
| Average Home Value | $461,102 |
Housing Distribution
Address Breakdown
Residential
9,347
Single Family
8,205
Multi-Family
1,142
Businesses
463
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 1916
6,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92405, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,649 (100%) |
| Owner Occupied HU | 4,573 (47.4%) |
| Renter Occupied HU | 4,731 (49.0%) |
| Vacant Housing Units | 345 ( 3.6%) |
| Median Home Value | $440,385 |
| Average Home Value | $461,102 |
Housing Distribution
Address Breakdown
Residential
9,347
Single Family
8,205
Multi-Family
1,142
Businesses
463
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Caroline Gim • Expert Real Estate & Investment
Mls Name: CRMLS
Mls ID: #PW25266357