4156 Vista Clara RdSanta BarbaraCA93110
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Santa Barbara at 4156 Vista Clara Rd, Santa Barbara, CA, 93110 projects strong ROI of 11.59%. Rental yield 4.3%. With 5% annual appreciation, the property builds $736,290 in value over five years. Equity growth combined delivers a projected five-year ROI of 74.89%, translating into $563,836 in total cumulative return on $752,863 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 5.0% |
| Monthly Cash Flow | $(6,940) | $1,500 |
City averages based on Santa Barbara market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,546 |
| Total Monthly Debt Service | $15,426 |
| DSCR Ratio | 0.62x |
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 1948
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93110, Santa Barbara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,330 (100%) |
| Owner Occupied HU | 3,506 (55.4%) |
| Renter Occupied HU | 2,392 (37.8%) |
| Vacant Housing Units | 432 ( 6.8%) |
| Median Home Value | $1,231,911 |
| Average Home Value | $1,323,908 |
Housing Distribution
Address Breakdown
Residential
6,581
Single Family
5,857
Multi-Family
724
Businesses
212
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 1948
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93110, Santa Barbara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,330 (100%) |
| Owner Occupied HU | 3,506 (55.4%) |
| Renter Occupied HU | 2,392 (37.8%) |
| Vacant Housing Units | 432 ( 6.8%) |
| Median Home Value | $1,231,911 |
| Average Home Value | $1,323,908 |
Housing Distribution
Address Breakdown
Residential
6,581
Single Family
5,857
Multi-Family
724
Businesses
212
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ed Fuller • San Roque Realty Inc
Mls Name: SBMLS
Mls ID: #25-3360