1420 Spencer StCambriaCA93428
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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
Investment Highlights
Rental property for sale in Cambria at 1420 Spencer St, Cambria, CA, 93428 generates $4,294/mo in rent and, after a $3,323/mo payment, leaves $94/mo in cash flow. Total monthly income is $4,294/mo, and annual cash flow is $1,127/yr on $223,391 invested. Return on cash invested sits at 20.56% in year one, and rental yield is 7.59% on a $679,000 entry. Equity gained on principal adds $4,381/yr, while 5% annual appreciation builds toward $187,595 over five years. Five-year ROI reaches 106.31% and total cumulative return in cash sums $237,491. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $4,294/mo property income rather than buyer’s personal income.
Single Family
Built in 1972
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93428, Cambria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,205 (100%) |
| Owner Occupied HU | 2,065 (49.1%) |
| Renter Occupied HU | 703 (16.7%) |
| Vacant Housing Units | 1,437 (34.2%) |
| Median Home Value | $986,374 |
| Average Home Value | $1,104,103 |
Housing Distribution
Address Breakdown
Residential
3,523
Single Family
3,523
Multi-Family
0
Businesses
422
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Listed by: Bob Kasper • The Real Estate Company of Cambria
Mls Name: CRMLS
Mls ID: #SC25176065