Plan 2089 Modeled Plan, SonoraLancasterCA93535
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at Plan 2089 Modeled Plan, Sonora, Lancaster, CA, 93535 in Lancaster is narrow, $159/mo net on $3,636/mo rent after the $2,527/mo debt service, but the property operates at break-even-plus, not a loss. At $561,990 with a 7.76% yield, the long-run equity case via 5% appreciation ($155,267 over five years) and $5,176/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $223,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.8% |
| Monthly Cash Flow | $159 | $285 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,636 |
| Total Monthly Debt Service | $3,253 |
| DSCR Ratio | 1.12x |
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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93535, Lancaster, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,348 (100%) |
| Owner Occupied HU | 15,198 (62.4%) |
| Renter Occupied HU | 8,314 (34.1%) |
| Vacant Housing Units | 836 ( 3.4%) |
| Median Home Value | $334,900 |
| Average Home Value | $465,242 |
Housing Distribution
Address Breakdown
Residential
23,534
Single Family
22,252
Multi-Family
1,282
Businesses
747
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
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93535, Lancaster, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,348 (100%) |
| Owner Occupied HU | 15,198 (62.4%) |
| Renter Occupied HU | 8,314 (34.1%) |
| Vacant Housing Units | 836 ( 3.4%) |
| Median Home Value | $334,900 |
| Average Home Value | $465,242 |
Housing Distribution
Address Breakdown
Residential
23,534
Single Family
22,252
Multi-Family
1,282
Businesses
747
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • KB Home
Mls Name: KB Home
Mls Provider:
Mls ID: #N/A