Torrey Plan 3 Plan, CienaBanningCA92220
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at Torrey Plan 3 Plan, Ciena, Banning, CA, 92220 in Banning the bet is firmly on appreciation. Rental yield 0%. The 0% gross yield on a $482,000 price is below income-first thresholds, but 5%/yr value growth projects $133,168 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.00) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 8.0% |
| Monthly Cash Flow | $0 | $1,500 |
City averages based on Banning market data in our database. Property projections are estimates.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92220, Banning, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,184 (100%) |
| Owner Occupied HU | 9,545 (67.3%) |
| Renter Occupied HU | 3,802 (26.8%) |
| Vacant Housing Units | 837 ( 5.9%) |
| Median Home Value | $444,674 |
| Average Home Value | $504,781 |
Housing Distribution
Address Breakdown
Residential
12,885
Single Family
12,559
Multi-Family
326
Businesses
695
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92220, Banning, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,184 (100%) |
| Owner Occupied HU | 9,545 (67.3%) |
| Renter Occupied HU | 3,802 (26.8%) |
| Vacant Housing Units | 837 ( 5.9%) |
| Median Home Value | $444,674 |
| Average Home Value | $504,781 |
Housing Distribution
Address Breakdown
Residential
12,885
Single Family
12,559
Multi-Family
326
Businesses
695
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A