2911 Cottage LnPaso RoblesCA93446
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 2911 Cottage Ln, Paso Robles, CA, 93446 in Paso Robles earns a 9.41% gross yield at $649,000. Rent of $5,088/mo nets $709/mo after the $2,918/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $179,307 and $5,977/yr in equity accumulation project a total cumulative return of $293,323.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $709 | $250 |
City averages based on Paso Robles market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,088 |
| Total Monthly Debt Service | $4,121 |
| DSCR Ratio | 1.23x |
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 2003
3,172 sqft lot
$N/A/sqft
$330 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93446, Paso Robles, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,087 (100%) |
| Owner Occupied HU | 11,680 (58.1%) |
| Renter Occupied HU | 5,915 (29.4%) |
| Vacant Housing Units | 2,492 (12.4%) |
| Median Home Value | $755,010 |
| Average Home Value | $851,008 |
Housing Distribution
Address Breakdown
Residential
18,199
Single Family
17,149
Multi-Family
1,050
Businesses
1,684
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 2003
3,172 sqft lot
$N/A/sqft
$330 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93446, Paso Robles, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,087 (100%) |
| Owner Occupied HU | 11,680 (58.1%) |
| Renter Occupied HU | 5,915 (29.4%) |
| Vacant Housing Units | 2,492 (12.4%) |
| Median Home Value | $755,010 |
| Average Home Value | $851,008 |
Housing Distribution
Address Breakdown
Residential
18,199
Single Family
17,149
Multi-Family
1,050
Businesses
1,684
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices