1710 Cliff DrSanta BarbaraCA93109
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable, bankable, and well-priced, 1710 Cliff Dr, Santa Barbara, CA, 93109 in Santa Barbara delivers $10,200/mo in gross rent and $333/mo in net monthly income at a $1,595,000 entry. The 7.67% yield and 1.42 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $440,669 over five years and $14,690/yr in equity from loan paydown, total projected return is $626,200.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.0% |
| Monthly Cash Flow | $333 | $1,500 |
City averages based on Santa Barbara market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $10,200 |
| Total Monthly Debt Service | $9,232 |
| DSCR Ratio | 1.10x |
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 1952
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93109, Santa Barbara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,162 (100%) |
| Owner Occupied HU | 2,729 (52.9%) |
| Renter Occupied HU | 1,992 (38.6%) |
| Vacant Housing Units | 441 ( 8.5%) |
| Median Home Value | $1,882,616 |
| Average Home Value | $1,791,437 |
Housing Distribution
Address Breakdown
Residential
4,631
Single Family
4,064
Multi-Family
567
Businesses
134
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 1952
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93109, Santa Barbara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,162 (100%) |
| Owner Occupied HU | 2,729 (52.9%) |
| Renter Occupied HU | 1,992 (38.6%) |
| Vacant Housing Units | 441 ( 8.5%) |
| Median Home Value | $1,882,616 |
| Average Home Value | $1,791,437 |
Housing Distribution
Address Breakdown
Residential
4,631
Single Family
4,064
Multi-Family
567
Businesses
134
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices