3824 Sebright Rd #1San Luis ObispoCA93401
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 3824 Sebright Rd #1, San Luis Obispo, CA, 93401 in San Luis Obispo offers a clean, manageable entry. Rental yield 6.55%. DSCR 1.21 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $255,560 in additional property value over five years, with $8,519/yr in principal equity building ownership stake. Total projected cumulative return: $307,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(1,105) | $300 |
City averages based on San Luis Obispo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,048 |
| Total Monthly Debt Service | $5,354 |
| DSCR Ratio | 0.94x |
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.
Townhouse
Built in 2021
1,610 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93401, San Luis Obispo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,857 (100%) |
| Owner Occupied HU | 7,207 (45.4%) |
| Renter Occupied HU | 7,054 (44.5%) |
| Vacant Housing Units | 1,596 (10.1%) |
| Median Home Value | $999,714 |
| Average Home Value | $1,133,947 |
Housing Distribution
Address Breakdown
Residential
14,795
Single Family
13,129
Multi-Family
1,666
Businesses
2,818
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
Townhouse
Built in 2021
1,610 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93401, San Luis Obispo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,857 (100%) |
| Owner Occupied HU | 7,207 (45.4%) |
| Renter Occupied HU | 7,054 (44.5%) |
| Vacant Housing Units | 1,596 (10.1%) |
| Median Home Value | $999,714 |
| Average Home Value | $1,133,947 |
Housing Distribution
Address Breakdown
Residential
14,795
Single Family
13,129
Multi-Family
1,666
Businesses
2,818
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #SC26062280