323 Crum RdTempletonCA93465
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play323 Crum Rd, Templeton, CA, 93465 in Templeton is priced for appreciation, not yield. Rental yield 3.62%. At $925,000 with a 3.62% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $255,560 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.67) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $161,978.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 5.8% |
| Monthly Cash Flow | $(2,935) | $1,500 |
City averages based on Templeton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,788 |
| Total Monthly Debt Service | $5,354 |
| DSCR Ratio | 0.52x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1958
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93465, Templeton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,238 (100%) |
| Owner Occupied HU | 2,705 (63.8%) |
| Renter Occupied HU | 1,089 (25.7%) |
| Vacant Housing Units | 444 (10.5%) |
| Median Home Value | $940,256 |
| Average Home Value | $1,130,441 |
Housing Distribution
Address Breakdown
Residential
3,792
Single Family
3,792
Multi-Family
0
Businesses
600
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 1958
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93465, Templeton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,238 (100%) |
| Owner Occupied HU | 2,705 (63.8%) |
| Renter Occupied HU | 1,089 (25.7%) |
| Vacant Housing Units | 444 (10.5%) |
| Median Home Value | $940,256 |
| Average Home Value | $1,130,441 |
Housing Distribution
Address Breakdown
Residential
3,792
Single Family
3,792
Multi-Family
0
Businesses
600
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bernadette Corona • RE/MAX Parkside Real Estate
Mls Name: CRMLS
Mls ID: #NS26028673