Cottonwood Plan, EsplanadeSan JacintoCA92583
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: Cottonwood Plan, Esplanade, San Jacinto, CA, 92583 in San Jacinto at $497,900 earns $3,120/mo in rent and nets $40/mo after the $2,360/mo payment, a 7.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $137,561 over five years. Ziffy Mortgage underwrites this on a 1.32 DSCR without U.S. credit history. With $4,174/yr in principal paydown, total projected return reaches $181,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $40 | $300 |
City averages based on San Jacinto market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $3,003 |
| DSCR Ratio | 1.04x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92583, San Jacinto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,971 (100%) |
| Owner Occupied HU | 7,361 (61.5%) |
| Renter Occupied HU | 3,982 (33.3%) |
| Vacant Housing Units | 628 ( 5.2%) |
| Median Home Value | $333,192 |
| Average Home Value | $378,728 |
Housing Distribution
Address Breakdown
Residential
10,860
Single Family
10,194
Multi-Family
666
Businesses
488
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A
