1209 Jackie LnSanta MariaCA93454
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Santa Maria rental at 1209 Jackie Ln, Santa Maria, CA, 93454 sits in the solid-income band: 9.18% gross yield, $3,252/mo rent, $623/mo net after the $1,911/mo debt service, DSCR 1.70. Entry price of $425,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $117,420 and $3,914/yr in principal reduction bring total cumulative return to $201,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.5% |
| Monthly Cash Flow | $623 | $300 |
City averages based on Santa Maria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,252 |
| Total Monthly Debt Service | $2,460 |
| DSCR Ratio | 1.32x |
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.
Condo
Built in 1981
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93454, Santa Maria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,050 (100%) |
| Owner Occupied HU | 6,183 (47.4%) |
| Renter Occupied HU | 6,137 (47.0%) |
| Vacant Housing Units | 730 ( 5.6%) |
| Median Home Value | $554,748 |
| Average Home Value | $617,127 |
Housing Distribution
Address Breakdown
Residential
12,539
Single Family
10,951
Multi-Family
1,588
Businesses
1,615
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
Condo
Built in 1981
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93454, Santa Maria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,050 (100%) |
| Owner Occupied HU | 6,183 (47.4%) |
| Renter Occupied HU | 6,137 (47.0%) |
| Vacant Housing Units | 730 ( 5.6%) |
| Median Home Value | $554,748 |
| Average Home Value | $617,127 |
Housing Distribution
Address Breakdown
Residential
12,539
Single Family
10,951
Multi-Family
1,588
Businesses
1,615
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Albert Brau • West Coast Property Mgmt
Mls Name: North Santa Barbara County MLS
Mls ID: #25000458