2725 Agate StBakersfieldCA93304
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2725 Agate St, Bakersfield, CA, 93304 in Bakersfield is a top-tier cash-flow asset. At $237,500 it produces $1,922/mo in rent and $640/mo in net monthly income, a 10.82% gross rental yield. The DSCR of 1.80 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,677. Five-year appreciation adds $65,617, driving a total cumulative return of $117,313.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $640 | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,922 |
| Total Monthly Debt Service | $1,407 |
| DSCR Ratio | 1.37x |
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 1977
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93304, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,902 (100%) |
| Owner Occupied HU | 6,979 (41.3%) |
| Renter Occupied HU | 9,178 (54.3%) |
| Vacant Housing Units | 745 ( 4.4%) |
| Median Home Value | $268,814 |
| Average Home Value | $320,017 |
Housing Distribution
Address Breakdown
Residential
16,210
Single Family
13,980
Multi-Family
2,230
Businesses
1,062
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
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93304, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,902 (100%) |
| Owner Occupied HU | 6,979 (41.3%) |
| Renter Occupied HU | 9,178 (54.3%) |
| Vacant Housing Units | 745 ( 4.4%) |
| Median Home Value | $268,814 |
| Average Home Value | $320,017 |
Housing Distribution
Address Breakdown
Residential
16,210
Single Family
13,980
Multi-Family
2,230
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jessica A. Hudson • Coldwell Banker Preferred,RLT
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202406887
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.