1801 Pine StBakersfieldCA93301
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1801 Pine St, Bakersfield, CA, 93301 in Bakersfield is capital appreciation. Rental yield 4.07%. The 4.07% gross yield at $739,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $204,421 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.75) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $147,504.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(2,068) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,509 |
| Total Monthly Debt Service | $4,283 |
| DSCR Ratio | 0.59x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1976
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93301, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,080 (100%) |
| Owner Occupied HU | 1,664 (27.4%) |
| Renter Occupied HU | 4,036 (66.4%) |
| Vacant Housing Units | 380 ( 6.2%) |
| Median Home Value | $355,124 |
| Average Home Value | $407,683 |
Housing Distribution
Address Breakdown
Residential
5,756
Single Family
3,870
Multi-Family
1,886
Businesses
2,033
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 1976
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93301, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,080 (100%) |
| Owner Occupied HU | 1,664 (27.4%) |
| Renter Occupied HU | 4,036 (66.4%) |
| Vacant Housing Units | 380 ( 6.2%) |
| Median Home Value | $355,124 |
| Average Home Value | $407,683 |
Housing Distribution
Address Breakdown
Residential
5,756
Single Family
3,870
Multi-Family
1,886
Businesses
2,033
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Valerie M. Moses • RE/MAX Golden Empire
Mls Name: Bakersfield AOR
Mls ID: #202508950