1813 9th StLos OsosCA93402
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 1813 9th St, Los Osos, CA, 93402 in Los Osos offers a clean, manageable entry. Rental yield 6.58%. DSCR 1.22 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $204,448 in additional property value over five years, with $6,815/yr in principal equity building ownership stake. Total projected cumulative return: $247,269.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 5.0% |
| Monthly Cash Flow | $(518) | $300 |
City averages based on Los Osos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,060 |
| Total Monthly Debt Service | $4,283 |
| DSCR Ratio | 0.95x |
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 1974
6,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93402, Los Osos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,643 (100%) |
| Owner Occupied HU | 4,286 (64.5%) |
| Renter Occupied HU | 1,776 (26.7%) |
| Vacant Housing Units | 581 ( 8.7%) |
| Median Home Value | $836,514 |
| Average Home Value | $910,146 |
Housing Distribution
Address Breakdown
Residential
6,206
Single Family
5,922
Multi-Family
284
Businesses
237
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 1974
6,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93402, Los Osos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,643 (100%) |
| Owner Occupied HU | 4,286 (64.5%) |
| Renter Occupied HU | 1,776 (26.7%) |
| Vacant Housing Units | 581 ( 8.7%) |
| Median Home Value | $836,514 |
| Average Home Value | $910,146 |
Housing Distribution
Address Breakdown
Residential
6,206
Single Family
5,922
Multi-Family
284
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Randy Steiger • RE/MAX Success
Mls Name: CRMLS
Mls ID: #SC25159099