121 Polo DrCarpinteriaCA93013
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Carpinteria at 121 Polo Dr, Carpinteria, CA, 93013 projects strong ROI of 1.4%. Rental yield 1.42%. With 5% annual appreciation, the property builds $1,077,498 in value over five years. Equity growth combined delivers a projected five-year ROI of 20.27%, translating into $223,326 in total cumulative return on $1,101,750 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 6.0% |
| Monthly Cash Flow | $(19,509) | $200 |
City averages based on Carpinteria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,617 |
| Total Monthly Debt Service | $22,574 |
| DSCR Ratio | 0.20x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93013, Carpinteria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,152 (100%) |
| Owner Occupied HU | 3,484 (48.7%) |
| Renter Occupied HU | 2,583 (36.1%) |
| Vacant Housing Units | 1,085 (15.2%) |
| Median Home Value | $1,100,254 |
| Average Home Value | $1,206,747 |
Housing Distribution
Address Breakdown
Residential
6,716
Single Family
6,120
Multi-Family
596
Businesses
563
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93013, Carpinteria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,152 (100%) |
| Owner Occupied HU | 3,484 (48.7%) |
| Renter Occupied HU | 2,583 (36.1%) |
| Vacant Housing Units | 1,085 (15.2%) |
| Median Home Value | $1,100,254 |
| Average Home Value | $1,206,747 |
Housing Distribution
Address Breakdown
Residential
6,716
Single Family
6,120
Multi-Family
596
Businesses
563
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Calcagno & Hamilton Group • Berkshire Hathaway HomeServices California Properties
Mls Name: SBMLS
Mls ID: #25-4185