14526 Pams WayBakersfieldCA93314
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 14526 Pams Way, Bakersfield, CA, 93314 in Bakersfield worth modelling. At $675,000 with a 7.45% gross yield, the $4,188/mo rent leaves $12/mo after the $3,035/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.38 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $186,490 by year five; $6,217/yr in principal reduction adds further equity. Total projected return: $256,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $12 | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,188 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 1.07x |
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.
Single Family
Built in 2013
10,454 sqft 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 2013
10,454 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jack Michael Saba, GRI • Watson Realty
Mls Name: Bakersfield AOR
Mls ID: #202511201