13400 Pergola AveBakersfieldCA93314
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.1%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $211,355 and $7,046/yr in equity build project total return of $235,966.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(841) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,892 |
| Total Monthly Debt Service | $4,428 |
| DSCR Ratio | 0.88x |
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 1993
0.49 Acres lot
$N/A/sqft
No HOA
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 1993
0.49 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cody T. Brown • Coldwell Banker Preferred,RLT
Mls Name: Bakersfield AOR
Mls ID: #202507944