9712 Pinal AveSanta MargaritaCA93453
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 9712 Pinal Ave, Santa Margarita, CA, 93453 in Santa Margarita deserves attention. This $249,000 property earns $2,478/mo in rent, a 11.94% gross yield, and nets $938/mo after the $1,120/mo payment. DSCR 2.21 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $68,794 compounds alongside $2,293/yr in yearly equity build, for a total cumulative return of $154,761.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.0% |
| Monthly Cash Flow | $938 | $1,500 |
City averages based on Santa Margarita market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,478 |
| Total Monthly Debt Service | $1,441 |
| DSCR Ratio | 1.72x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93453, Santa Margarita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 807 (57.8%) |
| Renter Occupied HU | 394 (28.2%) |
| Vacant Housing Units | 195 (14.0%) |
| Median Home Value | $879,739 |
| Average Home Value | $1,040,830 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
738
Multi-Family
1
Businesses
87
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93453, Santa Margarita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 807 (57.8%) |
| Renter Occupied HU | 394 (28.2%) |
| Vacant Housing Units | 195 (14.0%) |
| Median Home Value | $879,739 |
| Average Home Value | $1,040,830 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
738
Multi-Family
1
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jayne Rayner • HomeQuest
Mls Name: My State MLS
Mls ID: #11641699