853 Crescent DrVistaCA92084
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 853 Crescent Dr, Vista, CA, 92084 in Vista fits: $899,000, 5.99% gross yield, and a projected 5% annual appreciation rate adding $248,377 in value within five years. Rental yield 5.99%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.11) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,280/yr in principal paydown and $248,377 in appreciation project a total return of $271,892.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(1,072) | $300 |
City averages based on Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,489 |
| Total Monthly Debt Service | $5,204 |
| DSCR Ratio | 0.86x |
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 1940
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
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 1940
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92084, Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,920 (100%) |
| Owner Occupied HU | 9,184 (54.3%) |
| Renter Occupied HU | 6,954 (41.1%) |
| Vacant Housing Units | 782 ( 4.6%) |
| Median Home Value | $887,175 |
| Average Home Value | $961,265 |
Housing Distribution
Address Breakdown
Residential
15,817
Single Family
14,108
Multi-Family
1,709
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dorthy Routt • Real Broker
Mls Name: SDMLS
Mls Provider:
Mls ID: #250021844
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