226 E Hemlock StOxnardCA93033
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 226 E Hemlock St, Oxnard, CA, 93033 in Oxnard speaks for itself: 11.65% gross on a $699,000 price, generating $6,785/mo in rent and $2,461/mo in net income after the $3,143/mo debt service. DSCR 2.16, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $29,528 stacks alongside $193,121 in projected five-year appreciation and $6,438/yr in principal reduction. Projected total cumulative return: $423,441.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 5.5% |
| Monthly Cash Flow | $2,461 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,785 |
| Total Monthly Debt Service | $4,046 |
| DSCR Ratio | 1.68x |
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.
Single Family
Built in 1950
5,662 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
Single Family
Built in 1950
5,662 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