1595 Los Osos Valley Rd SPACE 46BLos OsosCA93402
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Los Osos rentals match the income profile of 1595 Los Osos Valley Rd SPACE 46B, Los Osos, CA, 93402. Listed at $424,900, gross rent is $4,715/mo and net cash flow is $2,086/mo, a 13.32% yield well above national averages. DSCR 2.47 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $117,392 by year five with $3,913/yr in annual principal reduction, projecting $295,406 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 5.0% |
| Monthly Cash Flow | $2,086 | $300 |
City averages based on Los Osos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,715 |
| Total Monthly Debt Service | $2,459 |
| DSCR Ratio | 1.92x |
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.
Manufactured
Built in 1969
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93402, Los Osos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,643 (100%) |
| Owner Occupied HU | 4,286 (64.5%) |
| Renter Occupied HU | 1,776 (26.7%) |
| Vacant Housing Units | 581 ( 8.7%) |
| Median Home Value | $836,514 |
| Average Home Value | $910,146 |
Housing Distribution
Address Breakdown
Residential
6,206
Single Family
5,922
Multi-Family
284
Businesses
237
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
Manufactured
Built in 1969
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93402, Los Osos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,643 (100%) |
| Owner Occupied HU | 4,286 (64.5%) |
| Renter Occupied HU | 1,776 (26.7%) |
| Vacant Housing Units | 581 ( 8.7%) |
| Median Home Value | $836,514 |
| Average Home Value | $910,146 |
Housing Distribution
Address Breakdown
Residential
6,206
Single Family
5,922
Multi-Family
284
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices