123 Charla Ct #123Thousand OaksCA91320
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 123 Charla Ct #123, Thousand Oaks, CA, 91320 in Thousand Oaks at $225,000 earns $1,566/mo in rent and nets $174/mo after the $1,012/mo payment, a 8.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $62,163 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $2,072/yr in principal paydown, total projected return reaches $96,540.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 4.5% |
| Monthly Cash Flow | $174 | $1,500 |
City averages based on Thousand Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,566 |
| Total Monthly Debt Service | $1,302 |
| 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 1978
2,703 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91320, Newbury Park, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,471 (100%) |
| Owner Occupied HU | 11,337 (73.3%) |
| Renter Occupied HU | 3,733 (24.1%) |
| Vacant Housing Units | 401 ( 2.6%) |
| Median Home Value | $955,113 |
| Average Home Value | $1,054,082 |
Housing Distribution
Address Breakdown
Residential
15,639
Single Family
14,380
Multi-Family
1,259
Businesses
1,272
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 1978
2,703 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91320, Newbury Park, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,471 (100%) |
| Owner Occupied HU | 11,337 (73.3%) |
| Renter Occupied HU | 3,733 (24.1%) |
| Vacant Housing Units | 401 ( 2.6%) |
| Median Home Value | $955,113 |
| Average Home Value | $1,054,082 |
Housing Distribution
Address Breakdown
Residential
15,639
Single Family
14,380
Multi-Family
1,259
Businesses
1,272
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Casey Gordon • Rodeo Realty
Mls Name: CRMLS
Mls ID: #SR26029266