4104 Baltic StOxnardCA93035
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4104 Baltic St, Oxnard, CA, 93035 in Oxnard is capital appreciation. Rental yield 4.86%. The 4.86% gross yield at $1,969,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $543,998 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.95) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $502,124.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.5% |
| Monthly Cash Flow | $(5,434) | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,382 |
| Total Monthly Debt Service | $11,397 |
| DSCR Ratio | 0.74x |
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 2006
5,227 sqft lot
$N/A/sqft
No 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 2006
5,227 sqft lot
$N/A/sqft
No 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
Listed by: Omar Helmand • Christie's International Real Estate SoCal
Mls Name: CLAW
Mls ID: #25571177