13750 Cuyama HwySanta MargaritaCA93453
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13750 Cuyama Hwy, Santa Margarita, CA, 93453 in Santa Margarita fits: $1,200,000, 3.68% gross yield, and a projected 5% annual appreciation rate adding $331,538 in value within five years. Rental yield 3.68%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.65) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,060/yr in principal paydown and $331,538 in appreciation project a total return of $191,447.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.0% |
| Monthly Cash Flow | $(3,744) | $1,500 |
City averages based on Santa Margarita market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,679 |
| Total Monthly Debt Service | $7,239 |
| DSCR Ratio | 0.51x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2005
180 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
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls Provider:
Mls ID: #SR26190614
