236 Scarlett CirNipomoCA93444
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 236 Scarlett Cir, Nipomo, CA, 93444 in Nipomo speaks for itself: 10.24% gross on a $765,000 price, generating $6,530/mo in rent and $1,517/mo in net income after the $3,440/mo debt service. DSCR 1.90, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $18,207 stacks alongside $211,355 in projected five-year appreciation and $7,046/yr in principal reduction. Projected total cumulative return: $388,930.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.5% |
| Monthly Cash Flow | $1,517 | $1,500 |
City averages based on Nipomo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,530 |
| Total Monthly Debt Service | $4,709 |
| DSCR Ratio | 1.39x |
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 2020
5,227 sqft lot
$N/A/sqft
$122 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93444, Nipomo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,910 (100%) |
| Owner Occupied HU | 6,140 (68.9%) |
| Renter Occupied HU | 2,112 (23.7%) |
| Vacant Housing Units | 658 ( 7.4%) |
| Median Home Value | $841,968 |
| Average Home Value | $945,447 |
Housing Distribution
Address Breakdown
Residential
8,126
Single Family
6,821
Multi-Family
1,305
Businesses
484
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 2020
5,227 sqft lot
$N/A/sqft
$122 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93444, Nipomo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,910 (100%) |
| Owner Occupied HU | 6,140 (68.9%) |
| Renter Occupied HU | 2,112 (23.7%) |
| Vacant Housing Units | 658 ( 7.4%) |
| Median Home Value | $841,968 |
| Average Home Value | $945,447 |
Housing Distribution
Address Breakdown
Residential
8,126
Single Family
6,821
Multi-Family
1,305
Businesses
484
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices