12616 Espalier CtBakersfieldCA93311
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 12616 Espalier Ct, Bakersfield, CA, 93311 in Bakersfield worth study. Rental yield 5.57%. The 5.57% gross yield is below cash-flow benchmarks at $927,232, but 5% annual appreciation, adding $256,177 over five years, frames this as a capital growth position. Rent of $4,301/mo partially offsets the $4,169/mo payment. Ziffy Mortgage finances appreciation-play properties (1.03 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $241,587.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.2% |
| Monthly Cash Flow | $(1,730) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,301 |
| Total Monthly Debt Service | $5,662 |
| DSCR Ratio | 0.76x |
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 2025
0.25 Acres lot
$N/A/sqft
$295 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93311, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,614 (100%) |
| Owner Occupied HU | 13,923 (71.0%) |
| Renter Occupied HU | 4,937 (25.2%) |
| Vacant Housing Units | 754 ( 3.8%) |
| Median Home Value | $450,345 |
| Average Home Value | $507,067 |
Housing Distribution
Address Breakdown
Residential
19,007
Single Family
17,627
Multi-Family
1,380
Businesses
627
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 2025
0.25 Acres lot
$N/A/sqft
$295 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93311, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,614 (100%) |
| Owner Occupied HU | 13,923 (71.0%) |
| Renter Occupied HU | 4,937 (25.2%) |
| Vacant Housing Units | 754 ( 3.8%) |
| Median Home Value | $450,345 |
| Average Home Value | $507,067 |
Housing Distribution
Address Breakdown
Residential
19,007
Single Family
17,627
Multi-Family
1,380
Businesses
627
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Breeding • Woodbridge Pacific Group
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202512270
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2026.