1620 De La Vina StSanta BarbaraCA93101
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 1620 De La Vina St, Santa Barbara, CA, 93101 in Santa Barbara is a conservative rental investment at $999,000. Rental yield 7.4%. A 1.37 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $276,005; $9,201/yr in principal paydown supplements. Total projected return: $377,654.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.0% |
| Monthly Cash Flow | $(18) | $1,500 |
City averages based on Santa Barbara market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,162 |
| Total Monthly Debt Service | $5,783 |
| 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 1914
1,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93101, Santa Barbara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,495 (100%) |
| Owner Occupied HU | 2,994 (22.2%) |
| Renter Occupied HU | 9,578 (71.0%) |
| Vacant Housing Units | 923 ( 6.8%) |
| Median Home Value | $1,281,588 |
| Average Home Value | $1,361,541 |
Housing Distribution
Address Breakdown
Residential
12,853
Single Family
8,173
Multi-Family
4,680
Businesses
2,998
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 1914
1,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93101, Santa Barbara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,495 (100%) |
| Owner Occupied HU | 2,994 (22.2%) |
| Renter Occupied HU | 9,578 (71.0%) |
| Vacant Housing Units | 923 ( 6.8%) |
| Median Home Value | $1,281,588 |
| Average Home Value | $1,361,541 |
Housing Distribution
Address Breakdown
Residential
12,853
Single Family
8,173
Multi-Family
4,680
Businesses
2,998
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices