1309 5th PlDelanoCA93215
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1309 5th Pl, Delano, CA, 93215 in Delano is narrow, $121/mo net on $2,398/mo rent after the $1,655/mo debt service, but the property operates at break-even-plus, not a loss. At $367,990 with a 7.82% yield, the long-run equity case via 5% appreciation ($101,669 over five years) and $3,389/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $147,358.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $121 | $1,800 |
City averages based on Delano market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,398 |
| Total Monthly Debt Service | $2,130 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 1974
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93215, Delano, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,364 (100%) |
| Owner Occupied HU | 7,205 (53.9%) |
| Renter Occupied HU | 5,603 (41.9%) |
| Vacant Housing Units | 556 ( 4.2%) |
| Median Home Value | $325,504 |
| Average Home Value | $397,259 |
Housing Distribution
Address Breakdown
Residential
12,161
Single Family
11,544
Multi-Family
617
Businesses
901
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 1974
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93215, Delano, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,364 (100%) |
| Owner Occupied HU | 7,205 (53.9%) |
| Renter Occupied HU | 5,603 (41.9%) |
| Vacant Housing Units | 556 ( 4.2%) |
| Median Home Value | $325,504 |
| Average Home Value | $397,259 |
Housing Distribution
Address Breakdown
Residential
12,161
Single Family
11,544
Multi-Family
617
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dana M. McIntire • The Mora Partners Inc.
Mls Name: Bakersfield AOR
Mls ID: #202512025