975 W Clover AveRialtoCA92376
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.72% yield at 975 W Clover Ave, Rialto, CA, 92376 in Rialto is solid, but the $2,185/mo payment compresses net cash flow to $121/mo at $486,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $134,273 by year five, and $4,476/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $192,086.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $121 | $1,500 |
City averages based on Rialto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,127 |
| Total Monthly Debt Service | $2,813 |
| DSCR Ratio | 1.11x |
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.
Condo
Built in 2021
899 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92376, Rialto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,458 (100%) |
| Owner Occupied HU | 13,734 (58.5%) |
| Renter Occupied HU | 9,177 (39.1%) |
| Vacant Housing Units | 547 ( 2.3%) |
| Median Home Value | $463,578 |
| Average Home Value | $504,544 |
Housing Distribution
Address Breakdown
Residential
22,775
Single Family
19,648
Multi-Family
3,127
Businesses
1,461
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
Condo
Built in 2021
899 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92376, Rialto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,458 (100%) |
| Owner Occupied HU | 13,734 (58.5%) |
| Renter Occupied HU | 9,177 (39.1%) |
| Vacant Housing Units | 547 ( 2.3%) |
| Median Home Value | $463,578 |
| Average Home Value | $504,544 |
Housing Distribution
Address Breakdown
Residential
22,775
Single Family
19,648
Multi-Family
3,127
Businesses
1,461
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Lowe • MICHELLE LOWE REAL ESTATE
Mls Name: CRMLS
Mls ID: #CV25198782