205 Oak StPaso RoblesCA93446
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 205 Oak St, Paso Robles, CA, 93446 in Paso Robles speaks for itself: 11.3% gross on a $810,000 price, generating $7,626/mo in rent and $2,615/mo in net income after the $3,642/mo debt service. DSCR 2.09, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $31,382 stacks alongside $223,788 in projected five-year appreciation and $7,460/yr in principal reduction. Projected total cumulative return: $475,431.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.5% |
| Monthly Cash Flow | $2,615 | $250 |
City averages based on Paso Robles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,626 |
| Total Monthly Debt Service | $4,689 |
| DSCR Ratio | 1.63x |
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 1941
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93446, Paso Robles, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,087 (100%) |
| Owner Occupied HU | 11,680 (58.1%) |
| Renter Occupied HU | 5,915 (29.4%) |
| Vacant Housing Units | 2,492 (12.4%) |
| Median Home Value | $755,010 |
| Average Home Value | $851,008 |
Housing Distribution
Address Breakdown
Residential
18,199
Single Family
17,149
Multi-Family
1,050
Businesses
1,684
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 1941
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93446, Paso Robles, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,087 (100%) |
| Owner Occupied HU | 11,680 (58.1%) |
| Renter Occupied HU | 5,915 (29.4%) |
| Vacant Housing Units | 2,492 (12.4%) |
| Median Home Value | $755,010 |
| Average Home Value | $851,008 |
Housing Distribution
Address Breakdown
Residential
18,199
Single Family
17,149
Multi-Family
1,050
Businesses
1,684
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices