7966 Pedley RdSan BernardinoCA92410
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 7966 Pedley Rd, San Bernardino, CA, 92410 in San Bernardino is capital appreciation. Rental yield 5.82%. The 5.82% gross yield at $599,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $165,493 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.08) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $175,684.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 4.8% |
| Monthly Cash Flow | $(800) | $850 |
City averages based on San Bernardino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,905 |
| Total Monthly Debt Service | $3,467 |
| DSCR Ratio | 0.84x |
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 1960
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92410, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,442 (100%) |
| Owner Occupied HU | 6,100 (42.2%) |
| Renter Occupied HU | 7,846 (54.3%) |
| Vacant Housing Units | 496 ( 3.4%) |
| Median Home Value | $304,992 |
| Average Home Value | $347,184 |
Housing Distribution
Address Breakdown
Residential
14,196
Single Family
11,534
Multi-Family
2,662
Businesses
1,055
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 1960
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92410, San Bernardino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,442 (100%) |
| Owner Occupied HU | 6,100 (42.2%) |
| Renter Occupied HU | 7,846 (54.3%) |
| Vacant Housing Units | 496 ( 3.4%) |
| Median Home Value | $304,992 |
| Average Home Value | $347,184 |
Housing Distribution
Address Breakdown
Residential
14,196
Single Family
11,534
Multi-Family
2,662
Businesses
1,055
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices