1226 N Main St #36CambriaCA93428
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1226 N Main St #36, Cambria, CA, 93428 in Cambria is a solid income-producing rental, 9.43% gross yield, $1,453/mo rent, $309/mo net cash flow on a $184,950 buy. DSCR 1.75 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $51,098 and $1,703/yr in principal reduction project a total cumulative return of $90,025.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $309 | $1,500 |
City averages based on Cambria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,453 |
| Total Monthly Debt Service | $1,071 |
| DSCR Ratio | 1.36x |
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 1989
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 1989
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: BRUCE DAVIES • Harmony Communities
Mls Name: CRMLS
Mls ID: #WS25152458