2165 Lupine StLake IsabellaCA93240
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2165 Lupine St, Lake Isabella, CA, 93240 in Lake Isabella is narrow, $51/mo net on $2,432/mo rent after the $1,731/mo debt service, but the property operates at break-even-plus, not a loss. At $385,000 with a 7.58% yield, the long-run equity case via 5% appreciation ($106,368 over five years) and $3,546/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $149,236.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $51 | $300 |
City averages based on Lake Isabella market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,432 |
| Total Monthly Debt Service | $2,229 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2007
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93240, Lake Isabella, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,491 (100%) |
| Owner Occupied HU | 1,747 (50.0%) |
| Renter Occupied HU | 938 (26.9%) |
| Vacant Housing Units | 806 (23.1%) |
| Median Home Value | $288,333 |
| Average Home Value | $344,131 |
Housing Distribution
Address Breakdown
Residential
2,293
Single Family
2,171
Multi-Family
122
Businesses
237
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 2007
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93240, Lake Isabella, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,491 (100%) |
| Owner Occupied HU | 1,747 (50.0%) |
| Renter Occupied HU | 938 (26.9%) |
| Vacant Housing Units | 806 (23.1%) |
| Median Home Value | $288,333 |
| Average Home Value | $344,131 |
Housing Distribution
Address Breakdown
Residential
2,293
Single Family
2,171
Multi-Family
122
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenny Gold • Miramar International Calloway
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202500173
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.