4096 Hilltop Rd APT ASanta MariaCA93455
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4096 Hilltop Rd APT A, Santa Maria, CA, 93455 in Santa Maria is a top-tier cash-flow asset. At $469,000 it produces $5,494/mo in rent and $2,118/mo in net monthly income, a 14.06% gross rental yield. The DSCR of 2.61 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $25,419. Five-year appreciation adds $129,576, driving a total cumulative return of $316,247.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 5.5% |
| Monthly Cash Flow | $2,118 | $300 |
City averages based on Santa Maria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,494 |
| Total Monthly Debt Service | $3,189 |
| DSCR Ratio | 1.72x |
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.
Condo
Built in 1986
871.20 sqft lot
$N/A/sqft
$474 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93455, Santa Maria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,975 (100%) |
| Owner Occupied HU | 12,004 (70.7%) |
| Renter Occupied HU | 4,212 (24.8%) |
| Vacant Housing Units | 759 ( 4.5%) |
| Median Home Value | $616,358 |
| Average Home Value | $693,383 |
Housing Distribution
Address Breakdown
Residential
16,413
Single Family
15,944
Multi-Family
469
Businesses
1,049
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
Condo
Built in 1986
871.20 sqft lot
$N/A/sqft
$474 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93455, Santa Maria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,975 (100%) |
| Owner Occupied HU | 12,004 (70.7%) |
| Renter Occupied HU | 4,212 (24.8%) |
| Vacant Housing Units | 759 ( 4.5%) |
| Median Home Value | $616,358 |
| Average Home Value | $693,383 |
Housing Distribution
Address Breakdown
Residential
16,413
Single Family
15,944
Multi-Family
469
Businesses
1,049
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices