3971 Flower StVenturaCA93003
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.56% gross rental yield, 3971 Flower St, Ventura, CA, 93003 in Ventura is priced for capital growth, not immediate cash flow. The $880,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $243,128 by year five, with $8,105/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.03) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $245,613.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(1,369) | $250 |
City averages based on Ventura market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,075 |
| Total Monthly Debt Service | $5,094 |
| DSCR Ratio | 0.80x |
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
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93003, Ventura, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,290 (100%) |
| Owner Occupied HU | 11,092 (54.7%) |
| Renter Occupied HU | 8,269 (40.8%) |
| Vacant Housing Units | 929 ( 4.6%) |
| Median Home Value | $828,468 |
| Average Home Value | $871,937 |
Housing Distribution
Address Breakdown
Residential
19,951
Single Family
16,117
Multi-Family
3,834
Businesses
3,530
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
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93003, Ventura, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,290 (100%) |
| Owner Occupied HU | 11,092 (54.7%) |
| Renter Occupied HU | 8,269 (40.8%) |
| Vacant Housing Units | 929 ( 4.6%) |
| Median Home Value | $828,468 |
| Average Home Value | $871,937 |
Housing Distribution
Address Breakdown
Residential
19,951
Single Family
16,117
Multi-Family
3,834
Businesses
3,530
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Bartyn • LIV Sotheby's International
Mls Name: CRMLS
Mls ID: #V1-33720