322 Villa Elegante DrBakersfieldCA93314
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe headline number at 322 Villa Elegante Dr, Bakersfield, CA, 93314 in Bakersfield is the 1.60 coverage ratio: rent of $2,722/mo versus a $1,706/mo debt payment on a $379,500 property. Rental yield 7.26%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $104,849 by year five, with $3,495/yr in equity from paydown. Total projected cumulative return: $159,322.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(163) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,722 |
| Total Monthly Debt Service | $2,342 |
| DSCR Ratio | 1.16x |
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 2004
6,098 sqft lot
$N/A/sqft
No HOA
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 2004
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William J. Bolich III • Bolich Realty, Inc.
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202507992
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.