2650 Main St APT 8CambriaCA93428
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 2650 Main St APT 8, Cambria, CA, 93428 in Cambria speaks for itself: 11.47% gross on a $499,000 price, generating $4,771/mo in rent and $1,245/mo in net income after the $2,244/mo debt service. DSCR 2.13, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,936 stacks alongside $137,865 in projected five-year appreciation and $4,596/yr in principal reduction. Projected total cumulative return: $271,199.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.0% |
| Monthly Cash Flow | $1,245 | $1,500 |
City averages based on Cambria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,771 |
| Total Monthly Debt Service | $3,328 |
| DSCR Ratio | 1.43x |
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.
Condo
Built in 1974
896 sqft lot
$N/A/sqft
$339 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93428, Cambria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,205 (100%) |
| Owner Occupied HU | 2,065 (49.1%) |
| Renter Occupied HU | 703 (16.7%) |
| Vacant Housing Units | 1,437 (34.2%) |
| Median Home Value | $986,374 |
| Average Home Value | $1,104,103 |
Housing Distribution
Address Breakdown
Residential
3,523
Single Family
3,523
Multi-Family
0
Businesses
422
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
Condo
Built in 1974
896 sqft lot
$N/A/sqft
$339 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93428, Cambria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,205 (100%) |
| Owner Occupied HU | 2,065 (49.1%) |
| Renter Occupied HU | 703 (16.7%) |
| Vacant Housing Units | 1,437 (34.2%) |
| Median Home Value | $986,374 |
| Average Home Value | $1,104,103 |
Housing Distribution
Address Breakdown
Residential
3,523
Single Family
3,523
Multi-Family
0
Businesses
422
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices