10108 Toscana DrBakersfieldCA93306
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.64 makes 10108 Toscana Dr, Bakersfield, CA, 93306 in Bakersfield one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.86%. The 8.86% yield, 5% annual appreciation ($88,410 over five years), and $2,947/yr in principal reduction project a total cumulative return of $109,472.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $(226) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,362 |
| Total Monthly Debt Service | $2,461 |
| DSCR Ratio | 0.96x |
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 2008
3,920 sqft lot
$N/A/sqft
$416 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93306, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,867 (100%) |
| Owner Occupied HU | 15,342 (61.7%) |
| Renter Occupied HU | 8,578 (34.5%) |
| Vacant Housing Units | 947 ( 3.8%) |
| Median Home Value | $344,569 |
| Average Home Value | $371,081 |
Housing Distribution
Address Breakdown
Residential
24,156
Single Family
23,191
Multi-Family
965
Businesses
582
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 2008
3,920 sqft lot
$N/A/sqft
$416 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93306, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,867 (100%) |
| Owner Occupied HU | 15,342 (61.7%) |
| Renter Occupied HU | 8,578 (34.5%) |
| Vacant Housing Units | 947 ( 3.8%) |
| Median Home Value | $344,569 |
| Average Home Value | $371,081 |
Housing Distribution
Address Breakdown
Residential
24,156
Single Family
23,191
Multi-Family
965
Businesses
582
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathleen P. Clerou • Stockdale Real Estate Group
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202506349
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.