1975 Maricopa Hwy #32OjaiCA93023
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 1975 Maricopa Hwy #32, Ojai, CA, 93023 in Ojai at $420,000 earns $3,872/mo in rent and nets $109/mo after the $1,889/mo payment, a 11.06% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $116,038 over five years. Ziffy Mortgage underwrites this on a 2.05 DSCR without U.S. credit history. With $3,868/yr in principal paydown, total projected return reaches $171,325.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 5.0% |
| Monthly Cash Flow | $109 | $250 |
City averages based on Ojai market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,872 |
| Total Monthly Debt Service | $3,596 |
| DSCR Ratio | 1.08x |
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.
Manufactured
Built in 2004
N/A lot
$N/A/sqft
$1,165 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93023, Ojai, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,986 (100%) |
| Owner Occupied HU | 5,527 (61.5%) |
| Renter Occupied HU | 2,734 (30.4%) |
| Vacant Housing Units | 725 ( 8.1%) |
| Median Home Value | $991,071 |
| Average Home Value | $1,172,401 |
Housing Distribution
Address Breakdown
Residential
8,378
Single Family
8,081
Multi-Family
297
Businesses
693
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
Manufactured
Built in 2004
N/A lot
$N/A/sqft
$1,165 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93023, Ojai, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,986 (100%) |
| Owner Occupied HU | 5,527 (61.5%) |
| Renter Occupied HU | 2,734 (30.4%) |
| Vacant Housing Units | 725 ( 8.1%) |
| Median Home Value | $991,071 |
| Average Home Value | $1,172,401 |
Housing Distribution
Address Breakdown
Residential
8,378
Single Family
8,081
Multi-Family
297
Businesses
693
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A