2136 Thrush Ave #2136OxnardCA93033
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2136 Thrush Ave #2136, Oxnard, CA, 93033 in Oxnard is narrow, $141/mo net on $1,780/mo rent after the $1,192/mo debt service, but the property operates at break-even-plus, not a loss. At $265,000 with a 8.06% yield, the long-run equity case via 5% appreciation ($73,215 over five years) and $2,441/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $109,531.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.5% |
| Monthly Cash Flow | $141 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,780 |
| Total Monthly Debt Service | $1,534 |
| DSCR Ratio | 1.16x |
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 2020
1,718 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93033, Oxnard, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,924 (100%) |
| Owner Occupied HU | 9,880 (55.1%) |
| Renter Occupied HU | 7,599 (42.4%) |
| Vacant Housing Units | 445 ( 2.5%) |
| Median Home Value | $574,675 |
| Average Home Value | $598,320 |
Housing Distribution
Address Breakdown
Residential
17,300
Single Family
15,320
Multi-Family
1,980
Businesses
1,107
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 2020
1,718 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93033, Oxnard, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,924 (100%) |
| Owner Occupied HU | 9,880 (55.1%) |
| Renter Occupied HU | 7,599 (42.4%) |
| Vacant Housing Units | 445 ( 2.5%) |
| Median Home Value | $574,675 |
| Average Home Value | $598,320 |
Housing Distribution
Address Breakdown
Residential
17,300
Single Family
15,320
Multi-Family
1,980
Businesses
1,107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erik Moen • RE/MAX Gold Coast REALTORS
Mls Name: CRMLS
Mls ID: #V1-32976