5 Schlitz RdPhelanCA92371
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5 Schlitz Rd, Phelan, CA, 92371 in Phelan. At $138,000 it earns $1,060/mo in rent and distributes $206/mo to the owner after the $621/mo payment, a consistent 9.22% yield. DSCR 1.71 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $38,127 in value; $1,271/yr in principal paydown compounds ownership stake. Total projected return: $65,572.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $206 | $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 | $1,060 |
| Total Monthly Debt Service | $799 |
| DSCR Ratio | 1.33x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92371, Phelan, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,232 (100%) |
| Owner Occupied HU | 4,375 (70.2%) |
| Renter Occupied HU | 1,195 (19.2%) |
| Vacant Housing Units | 662 (10.6%) |
| Median Home Value | $498,568 |
| Average Home Value | $535,235 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,922
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11776886