1226 N Main St #4CambriaCA93428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Cambria rental at 1226 N Main St #4, Cambria, CA, 93428 sits in the solid-income band: 9.25% gross yield, $3,052/mo rent, $602/mo net after the $1,780/mo debt service, DSCR 1.71. Entry price of $395,950 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 $109,394 and $3,647/yr in principal reduction bring total cumulative return to $188,952.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $602 | $1,500 |
City averages based on Cambria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,052 |
| Total Monthly Debt Service | $2,292 |
| DSCR Ratio | 1.33x |
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 2025
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 2025
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: #WS25156329