1855 Malalenca RdSanta PaulaCA93060
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1855 Malalenca Rd, Santa Paula, CA, 93060 in Santa Paula at $709,000 earns $4,544/mo in rent and nets $158/mo after the $3,188/mo payment, a 7.69% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $195,884 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $6,530/yr in principal paydown, total projected return reaches $279,041.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $158 | $500 |
City averages based on Santa Paula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,544 |
| Total Monthly Debt Service | $4,104 |
| DSCR Ratio | 1.11x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93060, Santa Paula, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,807 (100%) |
| Owner Occupied HU | 5,778 (53.5%) |
| Renter Occupied HU | 4,600 (42.6%) |
| Vacant Housing Units | 429 ( 4.0%) |
| Median Home Value | $681,405 |
| Average Home Value | $763,214 |
Housing Distribution
Address Breakdown
Residential
10,560
Single Family
9,941
Multi-Family
619
Businesses
850
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93060, Santa Paula, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,807 (100%) |
| Owner Occupied HU | 5,778 (53.5%) |
| Renter Occupied HU | 4,600 (42.6%) |
| Vacant Housing Units | 429 ( 4.0%) |
| Median Home Value | $681,405 |
| Average Home Value | $763,214 |
Housing Distribution
Address Breakdown
Residential
10,560
Single Family
9,941
Multi-Family
619
Businesses
850
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Radke Agency and Assoc. • Keller Williams Westlake Village
Mls Name: CSMAOR
Mls ID: #225005504