183 E Tefft StNipomoCA93444
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 183 E Tefft St, Nipomo, CA, 93444 in Nipomo is narrow, $77/mo net on $4,531/mo rent after the $3,238/mo debt service, but the property operates at break-even-plus, not a loss. At $720,000 with a 7.55% yield, the long-run equity case via 5% appreciation ($198,923 over five years) and $6,631/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $277,925.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $77 | $1,500 |
City averages based on Nipomo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,531 |
| Total Monthly Debt Service | $4,168 |
| DSCR Ratio | 1.09x |
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 1985
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93444, Nipomo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,910 (100%) |
| Owner Occupied HU | 6,140 (68.9%) |
| Renter Occupied HU | 2,112 (23.7%) |
| Vacant Housing Units | 658 ( 7.4%) |
| Median Home Value | $841,968 |
| Average Home Value | $945,447 |
Housing Distribution
Address Breakdown
Residential
8,126
Single Family
6,821
Multi-Family
1,305
Businesses
484
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 1985
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93444, Nipomo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,910 (100%) |
| Owner Occupied HU | 6,140 (68.9%) |
| Renter Occupied HU | 2,112 (23.7%) |
| Vacant Housing Units | 658 ( 7.4%) |
| Median Home Value | $841,968 |
| Average Home Value | $945,447 |
Housing Distribution
Address Breakdown
Residential
8,126
Single Family
6,821
Multi-Family
1,305
Businesses
484
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Naisa Santeyan • Home Saver Realty
Mls Name: CRMLS
Mls ID: #PW26022670