3535 Stine Rd #104BakersfieldCA93309
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 3535 Stine Rd #104, Bakersfield, CA, 93309 in Bakersfield offers it: the 1.88 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 9.32%. Long-term, 5% appreciation is forecast to add $28,181, and $939/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $10,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $(554) | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $861 |
| Total Monthly Debt Service | $1,305 |
| DSCR Ratio | 0.66x |
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.
Manufactured
Built in 1978
3,001 sqft lot
$N/A/sqft
$715 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93309, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,423 (100%) |
| Owner Occupied HU | 10,395 (44.4%) |
| Renter Occupied HU | 12,080 (51.6%) |
| Vacant Housing Units | 948 ( 4.0%) |
| Median Home Value | $339,528 |
| Average Home Value | $381,559 |
Housing Distribution
Address Breakdown
Residential
22,812
Single Family
16,852
Multi-Family
5,960
Businesses
1,800
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
Manufactured
Built in 1978
3,001 sqft lot
$N/A/sqft
$715 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93309, Bakersfield, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,423 (100%) |
| Owner Occupied HU | 10,395 (44.4%) |
| Renter Occupied HU | 12,080 (51.6%) |
| Vacant Housing Units | 948 ( 4.0%) |
| Median Home Value | $339,528 |
| Average Home Value | $381,559 |
Housing Distribution
Address Breakdown
Residential
22,812
Single Family
16,852
Multi-Family
5,960
Businesses
1,800
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jullian Tang • RE/MAX Golden Empire
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202506280
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.