13601 Philip Phelps AveBakersfieldCA93314
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 13601 Philip Phelps Ave, Bakersfield, CA, 93314 in Bakersfield offers a clean, manageable entry. Rental yield 6.48%. DSCR 1.20 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $219,641 in additional property value over five years, with $7,322/yr in principal equity building ownership stake. Total projected cumulative return: $261,378.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.2% |
| Monthly Cash Flow | $(623) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,295 |
| Total Monthly Debt Service | $4,602 |
| DSCR Ratio | 0.93x |
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
0.28 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 2025
0.28 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Suzanne L. Munger • Scott Rivera Real Estate Team
Mls Name: Bakersfield AOR
Mls ID: #202512464