1825 3rd StBakersfieldCA93304
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1825 3rd St, Bakersfield, CA, 93304 in Bakersfield fits: $497,000, 4.35% gross yield, and a projected 5% annual appreciation rate adding $137,312 in value within five years. Rental yield 4.35%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.65) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,577/yr in principal paydown and $137,312 in appreciation project a total return of $68,162.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(1,532) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,448 |
| Total Monthly Debt Service | $3,138 |
| DSCR Ratio | 0.46x |
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.
Multi Family
Built in 1974
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93304, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,902 (100%) |
| Owner Occupied HU | 6,979 (41.3%) |
| Renter Occupied HU | 9,178 (54.3%) |
| Vacant Housing Units | 745 ( 4.4%) |
| Median Home Value | $268,814 |
| Average Home Value | $320,017 |
Housing Distribution
Address Breakdown
Residential
16,210
Single Family
13,980
Multi-Family
2,230
Businesses
1,062
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
Multi Family
Built in 1974
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93304, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,902 (100%) |
| Owner Occupied HU | 6,979 (41.3%) |
| Renter Occupied HU | 9,178 (54.3%) |
| Vacant Housing Units | 745 ( 4.4%) |
| Median Home Value | $268,814 |
| Average Home Value | $320,017 |
Housing Distribution
Address Breakdown
Residential
16,210
Single Family
13,980
Multi-Family
2,230
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Luis G. Escamilla • Singh Properties
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202501438
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.