1226 Main St SPC 14CambriaCA93428
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder1226 Main St SPC 14, Cambria, CA, 93428 in Cambria carries a 1.55 coverage ratio, rent of $2,574/mo is 1.55 times the $1,662/mo payment. Rental yield 7.37%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $369,500 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $102,086; total projected cumulative return: $158,630.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $(18) | $1,500 |
City averages based on Cambria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,574 |
| Total Monthly Debt Service | $2,139 |
| DSCR Ratio | 1.20x |
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.
Manufactured
Built in 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93428, Cambria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,205 (100%) |
| Owner Occupied HU | 2,065 (49.1%) |
| Renter Occupied HU | 703 (16.7%) |
| Vacant Housing Units | 1,437 (34.2%) |
| Median Home Value | $986,374 |
| Average Home Value | $1,104,103 |
Housing Distribution
Address Breakdown
Residential
3,523
Single Family
3,523
Multi-Family
0
Businesses
422
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
Manufactured
Built in 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93428, Cambria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,205 (100%) |
| Owner Occupied HU | 2,065 (49.1%) |
| Renter Occupied HU | 703 (16.7%) |
| Vacant Housing Units | 1,437 (34.2%) |
| Median Home Value | $986,374 |
| Average Home Value | $1,104,103 |
Housing Distribution
Address Breakdown
Residential
3,523
Single Family
3,523
Multi-Family
0
Businesses
422
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jack Posemsky • Jack Posemsky Real Estate
Mls Name: CRMLS
Mls ID: #SC25099522