Plan 1 Plan, CentroWhittierCA90605
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at Plan 1 Plan, Centro, Whittier, CA, 90605 in Whittier the bet is firmly on appreciation. Rental yield 4.96%. The 4.96% gross yield on a $754,990 price is below income-first thresholds, but 5%/yr value growth projects $208,590 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.92) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $186,479.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.5% |
| Monthly Cash Flow | $(1,550) | $200 |
City averages based on Whittier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $4,370 |
| DSCR Ratio | 0.71x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90605, Whittier, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,113 (100%) |
| Owner Occupied HU | 7,284 (65.5%) |
| Renter Occupied HU | 3,569 (32.1%) |
| Vacant Housing Units | 260 ( 2.3%) |
| Median Home Value | $708,452 |
| Average Home Value | $788,061 |
Housing Distribution
Address Breakdown
Residential
10,772
Single Family
9,758
Multi-Family
1,014
Businesses
913
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 2 Bed
- 3 Bath
- 1196 sft
- 2 Bed
- 3 Bath
- 1196 sft
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90605, Whittier, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,113 (100%) |
| Owner Occupied HU | 7,284 (65.5%) |
| Renter Occupied HU | 3,569 (32.1%) |
| Vacant Housing Units | 260 ( 2.3%) |
| Median Home Value | $708,452 |
| Average Home Value | $788,061 |
Housing Distribution
Address Breakdown
Residential
10,772
Single Family
9,758
Multi-Family
1,014
Businesses
913
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 2 Bed
- 3 Bath
- 1196 sft
- 2 Bed
- 3 Bath
- 1196 sft
Listed by: Twanda Beeks • New Home Co.
Mls Name: The New Home Company
Mls Provider:
Mls ID: #N/A