1215 Santa Rita RdTempletonCA93465
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1215 Santa Rita Rd, Templeton, CA, 93465 in Templeton is capital appreciation. Rental yield 4.75%. The 4.75% gross yield at $1,995,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $551,182 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.88) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $448,262.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.8% |
| Monthly Cash Flow | $(4,814) | $1,500 |
City averages based on Templeton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,900 |
| Total Monthly Debt Service | $11,920 |
| DSCR Ratio | 0.66x |
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 1946
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93465, Templeton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,238 (100%) |
| Owner Occupied HU | 2,705 (63.8%) |
| Renter Occupied HU | 1,089 (25.7%) |
| Vacant Housing Units | 444 (10.5%) |
| Median Home Value | $940,256 |
| Average Home Value | $1,130,441 |
Housing Distribution
Address Breakdown
Residential
3,792
Single Family
3,792
Multi-Family
0
Businesses
600
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 1946
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93465, Templeton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,238 (100%) |
| Owner Occupied HU | 2,705 (63.8%) |
| Renter Occupied HU | 1,089 (25.7%) |
| Vacant Housing Units | 444 (10.5%) |
| Median Home Value | $940,256 |
| Average Home Value | $1,130,441 |
Housing Distribution
Address Breakdown
Residential
3,792
Single Family
3,792
Multi-Family
0
Businesses
600
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices