15570 Bittner LaneOccidentalCA95465
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Occidental at 15570 Bittner Lane, Occidental, CA, 95465 projects strong ROI of 5.63%. Rental yield 2.61%. With 5% annual appreciation, the property builds $897,915 in value over five years. Equity growth combined delivers a projected five-year ROI of 42.93%, translating into $394,147 in total cumulative return on $918,125 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.0% |
| Monthly Cash Flow | $(13,025) | $1,500 |
City averages based on Occidental 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 | $7,080 |
| Total Monthly Debt Service | $18,812 |
| DSCR Ratio | 0.38x |
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 1978
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95465, Occidental, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,132 (100%) |
| Owner Occupied HU | 594 (52.5%) |
| Renter Occupied HU | 273 (24.1%) |
| Vacant Housing Units | 265 (23.4%) |
| Median Home Value | $1,256,849 |
| Average Home Value | $1,320,034 |
Housing Distribution
Address Breakdown
Residential
522
Single Family
522
Multi-Family
0
Businesses
119
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 1978
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95465, Occidental, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,132 (100%) |
| Owner Occupied HU | 594 (52.5%) |
| Renter Occupied HU | 273 (24.1%) |
| Vacant Housing Units | 265 (23.4%) |
| Median Home Value | $1,256,849 |
| Average Home Value | $1,320,034 |
Housing Distribution
Address Breakdown
Residential
522
Single Family
522
Multi-Family
0
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326031272