691 Desert Trail WayTecopaCA92389
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 691 Desert Trail Way, Tecopa, CA, 92389 in Tecopa is capital appreciation. Rental yield 2.37%. The 2.37% gross yield at $1,995,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $551,182 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.44) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $215,882.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.0% |
| Monthly Cash Flow | $(8,401) | $1,500 |
City averages based on Tecopa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,941 |
| Total Monthly Debt Service | $11,548 |
| DSCR Ratio | 0.34x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1980
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92389, Tecopa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 191 (100%) |
| Owner Occupied HU | 32 (16.8%) |
| Renter Occupied HU | 72 (37.7%) |
| Vacant Housing Units | 87 (45.5%) |
| Median Home Value | $55,000 |
| Average Home Value | $178,828 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
13
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 1980
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92389, Tecopa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 191 (100%) |
| Owner Occupied HU | 32 (16.8%) |
| Renter Occupied HU | 72 (37.7%) |
| Vacant Housing Units | 87 (45.5%) |
| Median Home Value | $55,000 |
| Average Home Value | $178,828 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Baron Castillo • Apartment Building Investments
Mls Name: CRMLS
Mls ID: #P1-23329