3615 W Isle WayOxnardCA93035
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3615 W Isle Way, Oxnard, CA, 93035 in Oxnard deserves attention. This $599,000 property earns $6,733/mo in rent, a 13.49% gross yield, and nets $2,319/mo after the $2,693/mo payment. DSCR 2.50 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $165,493 compounds alongside $5,517/yr in yearly equity build, for a total cumulative return of $379,468.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 5.5% |
| Monthly Cash Flow | $2,319 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,733 |
| Total Monthly Debt Service | $4,176 |
| DSCR Ratio | 1.61x |
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 1973
2,664 sqft lot
$N/A/sqft
$485 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93035, Oxnard, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,341 (100%) |
| Owner Occupied HU | 6,377 (51.7%) |
| Renter Occupied HU | 3,956 (32.1%) |
| Vacant Housing Units | 2,008 (16.3%) |
| Median Home Value | $864,860 |
| Average Home Value | $1,030,654 |
Housing Distribution
Address Breakdown
Residential
11,612
Single Family
10,235
Multi-Family
1,377
Businesses
219
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 1973
2,664 sqft lot
$N/A/sqft
$485 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93035, Oxnard, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,341 (100%) |
| Owner Occupied HU | 6,377 (51.7%) |
| Renter Occupied HU | 3,956 (32.1%) |
| Vacant Housing Units | 2,008 (16.3%) |
| Median Home Value | $864,860 |
| Average Home Value | $1,030,654 |
Housing Distribution
Address Breakdown
Residential
11,612
Single Family
10,235
Multi-Family
1,377
Businesses
219
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices