840 E Cedar StOntarioCA91761
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 840 E Cedar St, Ontario, CA, 91761 in Ontario is capital appreciation. Rental yield 2.08%. The 2.08% gross yield at $1,600,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $442,051 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.39) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $148,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 6.0% |
| Monthly Cash Flow | $(7,123) | $1,500 |
City averages based on Ontario market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,774 |
| Total Monthly Debt Service | $9,261 |
| DSCR Ratio | 0.30x |
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.
Multi Family
Built in 1989
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91761, Ontario, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,119 (100%) |
| Owner Occupied HU | 14,290 (67.7%) |
| Renter Occupied HU | 6,168 (29.2%) |
| Vacant Housing Units | 661 ( 3.1%) |
| Median Home Value | $621,461 |
| Average Home Value | $617,077 |
Housing Distribution
Address Breakdown
Residential
20,126
Single Family
18,300
Multi-Family
1,826
Businesses
3,899
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
Multi Family
Built in 1989
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91761, Ontario, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,119 (100%) |
| Owner Occupied HU | 14,290 (67.7%) |
| Renter Occupied HU | 6,168 (29.2%) |
| Vacant Housing Units | 661 ( 3.1%) |
| Median Home Value | $621,461 |
| Average Home Value | $617,077 |
Housing Distribution
Address Breakdown
Residential
20,126
Single Family
18,300
Multi-Family
1,826
Businesses
3,899
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JACOB HSU • HUNTINGTON REALTY GROUP CO.
Mls Name: CRMLS
Mls ID: #WS25168685