10305 Paul AveBakersfieldCA93312
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.09% yield at 10305 Paul Ave, Bakersfield, CA, 93312 in Bakersfield is solid, but the $1,749/mo payment compresses net cash flow to $135/mo at $389,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $107,474 by year five, and $3,583/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $156,609.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $135 | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,621 |
| Total Monthly Debt Service | $2,331 |
| 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 1984
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93312, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,974 (100%) |
| Owner Occupied HU | 15,198 (76.1%) |
| Renter Occupied HU | 4,323 (21.6%) |
| Vacant Housing Units | 453 ( 2.3%) |
| Median Home Value | $426,099 |
| Average Home Value | $453,704 |
Housing Distribution
Address Breakdown
Residential
19,587
Single Family
18,974
Multi-Family
613
Businesses
769
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 1984
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93312, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,974 (100%) |
| Owner Occupied HU | 15,198 (76.1%) |
| Renter Occupied HU | 4,323 (21.6%) |
| Vacant Housing Units | 453 ( 2.3%) |
| Median Home Value | $426,099 |
| Average Home Value | $453,704 |
Housing Distribution
Address Breakdown
Residential
19,587
Single Family
18,974
Multi-Family
613
Businesses
769
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William Amir Gordon • Watson Realty
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202502899
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.