9125 Gainford StDowneyCA90240
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 9125 Gainford St, Downey, CA, 90240 in Downey fits: $1,700,000, 3.84% gross yield, and a projected 5% annual appreciation rate adding $469,679 in value within five years. Rental yield 3.84%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.71) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $15,657/yr in principal paydown and $469,679 in appreciation project a total return of $317,948.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 5.0% |
| Monthly Cash Flow | $(5,076) | $1,500 |
City averages based on Downey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,440 |
| Total Monthly Debt Service | $9,840 |
| DSCR Ratio | 0.55x |
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90240, Downey, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,845 (100%) |
| Owner Occupied HU | 5,197 (66.2%) |
| Renter Occupied HU | 2,421 (30.9%) |
| Vacant Housing Units | 227 ( 2.9%) |
| Median Home Value | $858,567 |
| Average Home Value | $961,305 |
Housing Distribution
Address Breakdown
Residential
7,926
Single Family
5,934
Multi-Family
1,992
Businesses
926
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
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90240, Downey, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,845 (100%) |
| Owner Occupied HU | 5,197 (66.2%) |
| Renter Occupied HU | 2,421 (30.9%) |
| Vacant Housing Units | 227 ( 2.9%) |
| Median Home Value | $858,567 |
| Average Home Value | $961,305 |
Housing Distribution
Address Breakdown
Residential
7,926
Single Family
5,934
Multi-Family
1,992
Businesses
926
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Oren Kozikaro • Trust Properties USA,Inc
Mls Name: CRMLS
Mls ID: #SR26013129