3535 Stine Rd Spc 124BakersfieldCA93309
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3535 Stine Rd Spc 124, Bakersfield, CA, 93309 in Bakersfield is a top-tier cash-flow asset. At $103,000 it produces $1,484/mo in rent and $816/mo in net monthly income, a 16.49% gross rental yield. The DSCR of 3.21 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $9,791. Five-year appreciation adds $28,457, driving a total cumulative return of $93,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.5% | 6.2% |
| Monthly Cash Flow | $816 | $450 |
City averages based on Bakersfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,484 |
| Total Monthly Debt Service | $596 |
| DSCR Ratio | 2.49x |
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.
Manufactured
Built in 1975
N/A lot
$N/A/sqft
No 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 1975
N/A lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: Bakersfield AOR
Mls ID: #202600281