1800 Calloway DrBakersfieldCA93312
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1800 Calloway Dr, Bakersfield, CA, 93312 in Bakersfield is capital appreciation. Rental yield 5.8%. The 5.8% gross yield at $725,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $200,304 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.02) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $198,156.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(981) | $450 |
City averages based on Bakersfield 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 | $3,504 |
| Total Monthly Debt Service | $4,373 |
| DSCR Ratio | 0.80x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1981
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93312, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,974 (100%) |
| Owner Occupied HU | 15,198 (76.1%) |
| Renter Occupied HU | 4,323 (21.6%) |
| Vacant Housing Units | 453 ( 2.3%) |
| Median Home Value | $426,099 |
| Average Home Value | $453,704 |
Housing Distribution
Address Breakdown
Residential
19,587
Single Family
18,974
Multi-Family
613
Businesses
769
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202609288
