7311 W Lilac RdBonsallCA92003
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 7311 W Lilac Rd, Bonsall, CA, 92003 in Bonsall is capital appreciation. Rental yield 5.11%. The 5.11% gross yield at $1,899,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $524,659 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.95) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $484,706.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.0% |
| Monthly Cash Flow | $(3,657) | $600 |
City averages based on Bonsall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,090 |
| Total Monthly Debt Service | $10,992 |
| DSCR Ratio | 0.74x |
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 1977
9.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92003, Bonsall, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,190 (100%) |
| Owner Occupied HU | 1,588 (72.5%) |
| Renter Occupied HU | 424 (19.4%) |
| Vacant Housing Units | 178 ( 8.1%) |
| Median Home Value | $1,098,404 |
| Average Home Value | $1,218,994 |
Housing Distribution
Address Breakdown
Residential
1,978
Single Family
1,757
Multi-Family
221
Businesses
294
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 1977
9.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92003, Bonsall, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,190 (100%) |
| Owner Occupied HU | 1,588 (72.5%) |
| Renter Occupied HU | 424 (19.4%) |
| Vacant Housing Units | 178 ( 8.1%) |
| Median Home Value | $1,098,404 |
| Average Home Value | $1,218,994 |
Housing Distribution
Address Breakdown
Residential
1,978
Single Family
1,757
Multi-Family
221
Businesses
294
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices