893 1/2 W Brighton Ave #ELEl CentroCA92243
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 893 1/2 W Brighton Ave #EL, El Centro, CA, 92243 in El Centro. Priced at $315,000, it generates $3,286/mo in gross rent and $1,337/mo in net monthly cash flow, a 12.52% yield that comfortably supports the 2.32 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $16,043. Five-year appreciation: $87,029. Equity from principal paydown: $2,901/yr. Total projected cumulative return: $205,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 5.0% |
| Monthly Cash Flow | $1,337 | $300 |
City averages based on El Centro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,286 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 1.80x |
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 1939
8,847 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
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 1939
8,847 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92243, El Centro, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,141 (100%) |
| Owner Occupied HU | 7,616 (44.4%) |
| Renter Occupied HU | 8,323 (48.6%) |
| Vacant Housing Units | 1,202 ( 7.0%) |
| Median Home Value | $323,340 |
| Average Home Value | $323,696 |
Housing Distribution
Address Breakdown
Residential
15,994
Single Family
13,457
Multi-Family
2,537
Businesses
1,683
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices