1885 W 9th StUplandCA91786
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1885 W 9th St, Upland, CA, 91786 in Upland the bet is firmly on appreciation. Rental yield 5.88%. The 5.88% gross yield on a $949,999 price is below income-first thresholds, but 5%/yr value growth projects $262,467 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.09) 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: $281,307.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(1,226) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,651 |
| Total Monthly Debt Service | $5,499 |
| DSCR Ratio | 0.85x |
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 1932
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
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 1932
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91786, Upland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,061 (100%) |
| Owner Occupied HU | 9,216 (43.8%) |
| Renter Occupied HU | 11,150 (52.9%) |
| Vacant Housing Units | 695 ( 3.3%) |
| Median Home Value | $622,642 |
| Average Home Value | $625,941 |
Housing Distribution
Address Breakdown
Residential
20,214
Single Family
16,689
Multi-Family
3,525
Businesses
3,137
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Don San Angelo • RE/MAX TIME REALTY
Mls Name: CRMLS
Mls ID: #CV26013040