812 Oak AveHoltvilleCA92250
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 812 Oak Ave, Holtville, CA, 92250 in Holtville worth study. Rental yield 5.27%. The 5.27% gross yield is below cash-flow benchmarks at $355,000, but 5% annual appreciation, adding $98,080 over five years, frames this as a capital growth position. Rent of $1,560/mo partially offsets the $1,596/mo payment. Ziffy Mortgage finances appreciation-play properties (0.98 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $93,725.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.2% |
| Monthly Cash Flow | $(636) | $150 |
City averages based on Holtville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $2,055 |
| DSCR Ratio | 0.76x |
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 1993
6,046 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92250, Holtville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,697 (100%) |
| Owner Occupied HU | 1,488 (55.2%) |
| Renter Occupied HU | 1,034 (38.3%) |
| Vacant Housing Units | 175 ( 6.5%) |
| Median Home Value | $363,035 |
| Average Home Value | $363,340 |
Housing Distribution
Address Breakdown
Residential
2,567
Single Family
2,469
Multi-Family
98
Businesses
190
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 1993
6,046 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92250, Holtville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,697 (100%) |
| Owner Occupied HU | 1,488 (55.2%) |
| Renter Occupied HU | 1,034 (38.3%) |
| Vacant Housing Units | 175 ( 6.5%) |
| Median Home Value | $363,035 |
| Average Home Value | $363,340 |
Housing Distribution
Address Breakdown
Residential
2,567
Single Family
2,469
Multi-Family
98
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ICAOR
Mls ID: #26660069IC