Montecito 3 Plan, Rio Del SolCathedral CityCA92234
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, Montecito 3 Plan, Rio Del Sol, Cathedral City, CA, 92234 in Cathedral City is a conservative rental investment at $673,900. Rental yield 6.56%. A 1.22 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $186,186; $6,207/yr in principal paydown supplements. Total projected return: $208,919.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 5.0% |
| Monthly Cash Flow | $(742) | $1,500 |
City averages based on Cathedral City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,683 |
| Total Monthly Debt Service | $4,157 |
| DSCR Ratio | 0.89x |
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 2026
N/A lot
$N/A/sqft
$256 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92234, Cathedral City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,545 (100%) |
| Owner Occupied HU | 12,100 (51.4%) |
| Renter Occupied HU | 6,816 (28.9%) |
| Vacant Housing Units | 4,629 (19.7%) |
| Median Home Value | $574,412 |
| Average Home Value | $608,642 |
Housing Distribution
Address Breakdown
Residential
20,456
Single Family
18,885
Multi-Family
1,571
Businesses
990
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 2026
N/A lot
$N/A/sqft
$256 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92234, Cathedral City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,545 (100%) |
| Owner Occupied HU | 12,100 (51.4%) |
| Renter Occupied HU | 6,816 (28.9%) |
| Vacant Housing Units | 4,629 (19.7%) |
| Median Home Value | $574,412 |
| Average Home Value | $608,642 |
Housing Distribution
Address Breakdown
Residential
20,456
Single Family
18,885
Multi-Family
1,571
Businesses
990
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • GHA Realty
Mls Name: GHA Companies
Mls ID: #N/A