9018 Vernal LnDescansoCA91916
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play9018 Vernal Ln, Descanso, CA, 91916 in Descanso is priced for appreciation, not yield. Rental yield 2.86%. At $1,999,000 with a 2.86% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $552,287 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.53) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $268,459.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(7,606) | $350 |
City averages based on Descanso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,760 |
| Total Monthly Debt Service | $11,571 |
| DSCR Ratio | 0.41x |
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 1964
39.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91916, Descanso, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,036 (100%) |
| Owner Occupied HU | 739 (71.3%) |
| Renter Occupied HU | 200 (19.3%) |
| Vacant Housing Units | 97 ( 9.4%) |
| Median Home Value | $785,653 |
| Average Home Value | $821,032 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
568
Multi-Family
0
Businesses
60
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 1964
39.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91916, Descanso, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,036 (100%) |
| Owner Occupied HU | 739 (71.3%) |
| Renter Occupied HU | 200 (19.3%) |
| Vacant Housing Units | 97 ( 9.4%) |
| Median Home Value | $785,653 |
| Average Home Value | $821,032 |
Housing Distribution
Address Breakdown
Residential
568
Single Family
568
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Glen Henderson • LPT Realty,Inc
Mls Name: SDMLS
Mls ID: #250035312