13440 Del Ray RdSanta MargaritaCA93453
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 13440 Del Ray Rd, Santa Margarita, CA, 93453 in Santa Margarita deserves attention. This $246,500 property earns $4,380/mo in rent, a 21.32% gross yield, and nets $2,855/mo after the $1,108/mo payment. DSCR 3.95 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $68,103 compounds alongside $2,270/yr in yearly equity build, for a total cumulative return of $277,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.3% | 6.0% |
| Monthly Cash Flow | $2,855 | $1,500 |
City averages based on Santa Margarita market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,380 |
| Total Monthly Debt Service | $1,427 |
| DSCR Ratio | 3.07x |
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 1986
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93453, Santa Margarita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 807 (57.8%) |
| Renter Occupied HU | 394 (28.2%) |
| Vacant Housing Units | 195 (14.0%) |
| Median Home Value | $879,739 |
| Average Home Value | $1,040,830 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
738
Multi-Family
1
Businesses
87
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 1986
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93453, Santa Margarita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 807 (57.8%) |
| Renter Occupied HU | 394 (28.2%) |
| Vacant Housing Units | 195 (14.0%) |
| Median Home Value | $879,739 |
| Average Home Value | $1,040,830 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
738
Multi-Family
1
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices