8432 Spirit StChinoCA91708
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 8432 Spirit St, Chino, CA, 91708 in Chino is narrow, $107/mo net on $3,880/mo rent after the $2,742/mo debt service, but the property operates at break-even-plus, not a loss. At $609,900 with a 7.63% yield, the long-run equity case via 5% appreciation ($168,504 over five years) and $5,617/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $238,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $107 | $1,200 |
City averages based on Chino market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,880 |
| Total Monthly Debt Service | $3,530 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 2020
899 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
Townhouse
Built in 2020
899 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: Henry Schumm • Home Based Realty
Mls Name: CRMLS
Mls ID: #TR25224999