8135 Spirit StChinoCA91708
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Chino rental at 8135 Spirit St, Chino, CA, 91708 sits in the solid-income band: 8% gross yield, $3,900/mo rent, $281/mo net after the $2,631/mo debt service, DSCR 1.48. Entry price of $585,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $161,625 and $5,388/yr in principal reduction bring total cumulative return to $239,895.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $281 | $1,200 |
City averages based on Chino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,900 |
| Total Monthly Debt Service | $3,386 |
| DSCR Ratio | 1.15x |
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.
Condo
Built in 2022
831 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91708, Chino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,172 (100%) |
| Owner Occupied HU | 3,813 (61.8%) |
| Renter Occupied HU | 1,943 (31.5%) |
| Vacant Housing Units | 416 ( 6.7%) |
| Median Home Value | $658,636 |
| Average Home Value | $684,350 |
Housing Distribution
Address Breakdown
Residential
5,917
Single Family
5,668
Multi-Family
249
Businesses
642
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
Condo
Built in 2022
831 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91708, Chino, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,172 (100%) |
| Owner Occupied HU | 3,813 (61.8%) |
| Renter Occupied HU | 1,943 (31.5%) |
| Vacant Housing Units | 416 ( 6.7%) |
| Median Home Value | $658,636 |
| Average Home Value | $684,350 |
Housing Distribution
Address Breakdown
Residential
5,917
Single Family
5,668
Multi-Family
249
Businesses
642
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kayan Wai • WERE Real Estate
Mls Name: CRMLS
Mls ID: #TR25192738