842 11th StRamonaCA92065
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 842 11th St, Ramona, CA, 92065 in Ramona is narrow, $186/mo net on $3,109/mo rent after the $2,125/mo debt service, but the property operates at break-even-plus, not a loss. At $472,500 with a 7.9% yield, the long-run equity case via 5% appreciation ($130,543 over five years) and $4,352/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $191,121.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $186 | $300 |
City averages based on Ramona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,109 |
| Total Monthly Debt Service | $2,735 |
| DSCR Ratio | 1.14x |
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92065, Ramona, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,104 (100%) |
| Owner Occupied HU | 9,395 (71.7%) |
| Renter Occupied HU | 3,225 (24.6%) |
| Vacant Housing Units | 484 ( 3.7%) |
| Median Home Value | $841,572 |
| Average Home Value | $884,246 |
Housing Distribution
Address Breakdown
Residential
12,387
Single Family
10,800
Multi-Family
1,587
Businesses
1,041
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Herlinda Sandoval-Ryan • Coronado Premier Properties
Mls Name: SDMLS
Mls ID: #250044658