9638 Ponderosa RdPinon HillsCA92372
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 9638 Ponderosa Rd, Pinon Hills, CA, 92372 in Pinon Hills earns a 9.06% gross yield at $514,900. Rent of $3,887/mo nets $702/mo after the $2,315/mo mortgage. The 1.68 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $142,257 and $4,742/yr in equity accumulation project a total cumulative return of $240,408.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $702 | $500 |
City averages based on Pinon Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,887 |
| Total Monthly Debt Service | $2,980 |
| DSCR Ratio | 1.30x |
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 1988
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92372, Pinon Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,148 (100%) |
| Owner Occupied HU | 1,526 (71.0%) |
| Renter Occupied HU | 415 (19.3%) |
| Vacant Housing Units | 207 ( 9.6%) |
| Median Home Value | $546,364 |
| Average Home Value | $698,929 |
Housing Distribution
Address Breakdown
Residential
594
Single Family
594
Multi-Family
0
Businesses
23
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 1988
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92372, Pinon Hills, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,148 (100%) |
| Owner Occupied HU | 1,526 (71.0%) |
| Renter Occupied HU | 415 (19.3%) |
| Vacant Housing Units | 207 ( 9.6%) |
| Median Home Value | $546,364 |
| Average Home Value | $698,929 |
Housing Distribution
Address Breakdown
Residential
594
Single Family
594
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices