2077 Blackberry CirOxnardCA93036
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 2077 Blackberry Cir, Oxnard, CA, 93036 in Oxnard. At $589,000 it earns $3,860/mo in rent and distributes $217/mo to the owner after the $2,792/mo payment, a consistent 7.86% yield. DSCR 1.38 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $162,730 in value; $4,938/yr in principal paydown compounds ownership stake. Total projected return: $226,221.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $217 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,860 |
| Total Monthly Debt Service | $3,553 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1990
1,362 sqft lot
$N/A/sqft
No HOA
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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
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Listed by: Tony Duffy • Epique Realty
Mls Name: CRMLS
Mls ID: #V1-31321
