2056 Highway 154 #8Santa YnezCA93460
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2056 Highway 154 #8, Santa Ynez, CA, 93460 in Santa Ynez deserves attention. This $395,000 property earns $4,208/mo in rent, a 12.79% gross yield, and nets $1,329/mo after the $1,776/mo payment. DSCR 2.37 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $109,131 compounds alongside $3,638/yr in yearly equity build, for a total cumulative return of $237,168.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 5.0% |
| Monthly Cash Flow | $1,329 | $2,000 |
City averages based on Santa Ynez market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,208 |
| Total Monthly Debt Service | $2,722 |
| DSCR Ratio | 1.55x |
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 1977
N/A lot
$N/A/sqft
$436 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93460, Santa Ynez, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,345 (100%) |
| Owner Occupied HU | 1,483 (63.2%) |
| Renter Occupied HU | 582 (24.8%) |
| Vacant Housing Units | 280 (11.9%) |
| Median Home Value | $1,392,361 |
| Average Home Value | $1,478,992 |
Housing Distribution
Address Breakdown
Residential
2,007
Single Family
1,946
Multi-Family
61
Businesses
332
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 1977
N/A lot
$N/A/sqft
$436 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93460, Santa Ynez, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,345 (100%) |
| Owner Occupied HU | 1,483 (63.2%) |
| Renter Occupied HU | 582 (24.8%) |
| Vacant Housing Units | 280 (11.9%) |
| Median Home Value | $1,392,361 |
| Average Home Value | $1,478,992 |
Housing Distribution
Address Breakdown
Residential
2,007
Single Family
1,946
Multi-Family
61
Businesses
332
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices