335 Encino DrOak ViewCA93022
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 335 Encino Dr, Oak View, CA, 93022 in Oak View fits: $1,695,000, 3.76% gross yield, and a projected 5% annual appreciation rate adding $468,297 in value within five years. Rental yield 3.76%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.70) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $15,611/yr in principal paydown and $468,297 in appreciation project a total return of $309,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 5.0% |
| Monthly Cash Flow | $(5,175) | $1,200 |
City averages based on Oak View market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,311 |
| Total Monthly Debt Service | $9,811 |
| DSCR Ratio | 0.54x |
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 1956
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93022, Oak View, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,119 (100%) |
| Owner Occupied HU | 1,497 (70.6%) |
| Renter Occupied HU | 528 (24.9%) |
| Vacant Housing Units | 94 ( 4.4%) |
| Median Home Value | $878,024 |
| Average Home Value | $1,004,903 |
Housing Distribution
Address Breakdown
Residential
2,202
Single Family
2,202
Multi-Family
0
Businesses
213
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 1956
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93022, Oak View, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,119 (100%) |
| Owner Occupied HU | 1,497 (70.6%) |
| Renter Occupied HU | 528 (24.9%) |
| Vacant Housing Units | 94 ( 4.4%) |
| Median Home Value | $878,024 |
| Average Home Value | $1,004,903 |
Housing Distribution
Address Breakdown
Residential
2,202
Single Family
2,202
Multi-Family
0
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Serena Handley • LIV Sotheby's Ojai
Mls Name: Ojai Valley BOR
Mls ID: #225028