1692 Berwick DrCambriaCA93428
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1692 Berwick Dr, Cambria, CA, 93428 in Cambria at $649,000 earns $4,164/mo in rent and nets $139/mo after the $2,918/mo payment, a 7.7% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $179,307 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $5,977/yr in principal paydown, total projected return reaches $255,115.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $139 | $1,500 |
City averages based on Cambria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,164 |
| Total Monthly Debt Service | $3,766 |
| DSCR Ratio | 1.11x |
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 1955
3,180 sqft 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
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 1955
3,180 sqft 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices