9548 White RdPhelanCA92371
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 9548 White Rd, Phelan, CA, 92371 in Phelan fits: $649,900, 3.72% gross yield, and a projected 5% annual appreciation rate adding $179,555 in value within five years. Rental yield 3.72%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.69) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,986/yr in principal paydown and $179,555 in appreciation project a total return of $117,554.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.0% |
| Monthly Cash Flow | $(2,003) | $250 |
City averages based on Phelan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,017 |
| Total Monthly Debt Service | $3,762 |
| DSCR Ratio | 0.54x |
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 1935
27.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
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 1935
27.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Min Roh • Forever Realty Inc
Mls Name: CRMLS
Mls ID: #HD26024993