1129 Highland RdSanta YnezCA93460
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1129 Highland Rd, Santa Ynez, CA, 93460 in Santa Ynez worth study. Rental yield 2.12%. The 2.12% gross yield is below cash-flow benchmarks at $1,925,000, but 5% annual appreciation, adding $531,842 over five years, frames this as a capital growth position. Rent of $3,401/mo partially offsets the $8,656/mo payment. Ziffy Mortgage finances appreciation-play properties (0.39 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $182,456.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 5.0% |
| Monthly Cash Flow | $(8,658) | $2,000 |
City averages based on Santa Ynez market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,401 |
| Total Monthly Debt Service | $11,142 |
| DSCR Ratio | 0.31x |
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 1960
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93460, Santa Ynez, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,345 (100%) |
| Owner Occupied HU | 1,483 (63.2%) |
| Renter Occupied HU | 582 (24.8%) |
| Vacant Housing Units | 280 (11.9%) |
| Median Home Value | $1,392,361 |
| Average Home Value | $1,478,992 |
Housing Distribution
Address Breakdown
Residential
2,007
Single Family
1,946
Multi-Family
61
Businesses
332
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 1960
0.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93460, Santa Ynez, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,345 (100%) |
| Owner Occupied HU | 1,483 (63.2%) |
| Renter Occupied HU | 582 (24.8%) |
| Vacant Housing Units | 280 (11.9%) |
| Median Home Value | $1,392,361 |
| Average Home Value | $1,478,992 |
Housing Distribution
Address Breakdown
Residential
2,007
Single Family
1,946
Multi-Family
61
Businesses
332
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marlene A Macbeth • Berkshire Hathaway HomeServ-Los Olivos
Mls Name: North Santa Barbara County MLS
Mls ID: #26000201