7645 Rio Vista DrBig RiverCA92242
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid fundamentals define the investment case at 7645 Rio Vista Dr, Big River, CA, 92242 in Big River: $6,384/mo in rent, $229/mo in net income, 7.7% gross yield, 1.43 DSCR, all at $995,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $274,900 in appreciation and $9,164/yr in principal paydown projects total cumulative return of $392,000.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $229 | $1,200 |
City averages based on Big River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,384 |
| Total Monthly Debt Service | $5,759 |
| DSCR Ratio | 1.11x |
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 1997
1.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92242, Earp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,436 (100%) |
| Owner Occupied HU | 505 (35.2%) |
| Renter Occupied HU | 115 ( 8.0%) |
| Vacant Housing Units | 816 (56.8%) |
| Median Home Value | $119,817 |
| Average Home Value | $236,767 |
Housing Distribution
Address Breakdown
Residential
4
Single Family
4
Multi-Family
0
Businesses
34
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 1997
1.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92242, Earp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,436 (100%) |
| Owner Occupied HU | 505 (35.2%) |
| Renter Occupied HU | 115 ( 8.0%) |
| Vacant Housing Units | 816 (56.8%) |
| Median Home Value | $119,817 |
| Average Home Value | $236,767 |
Housing Distribution
Address Breakdown
Residential
4
Single Family
4
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC25272159