22550 J StSanta MargaritaCA93453
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 22550 J St, Santa Margarita, CA, 93453 in Santa Margarita aligned with their strategy. Rental yield 6.32%. DSCR 1.17 and 6.32% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $7,046/yr in paydown build toward a projected cumulative return of $244,726.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.0% |
| Monthly Cash Flow | $(704) | $1,500 |
City averages based on Santa Margarita market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,028 |
| Total Monthly Debt Service | $4,428 |
| DSCR Ratio | 0.91x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1977
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93453, Santa Margarita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 807 (57.8%) |
| Renter Occupied HU | 394 (28.2%) |
| Vacant Housing Units | 195 (14.0%) |
| Median Home Value | $879,739 |
| Average Home Value | $1,040,830 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
738
Multi-Family
1
Businesses
87
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 1977
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93453, Santa Margarita, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,396 (100%) |
| Owner Occupied HU | 807 (57.8%) |
| Renter Occupied HU | 394 (28.2%) |
| Vacant Housing Units | 195 (14.0%) |
| Median Home Value | $879,739 |
| Average Home Value | $1,040,830 |
Housing Distribution
Address Breakdown
Residential
739
Single Family
738
Multi-Family
1
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jaime Silveira • Malik Real Estate Group, Inc.
Mls Name: CRMLS
Mls ID: #NS25172370