41824 Gossip Rock StCalienteCA93518
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 41824 Gossip Rock St, Caliente, CA, 93518 in Caliente at $274,000 earns $1,700/mo in rent and nets $5/mo after the $1,232/mo payment, a 7.45% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $75,701 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $2,524/yr in principal paydown, total projected return reaches $104,266.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.0% |
| Monthly Cash Flow | $5 | $500 |
City averages based on Caliente market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,700 |
| Total Monthly Debt Service | $1,586 |
| DSCR Ratio | 1.07x |
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.
Single Family
Built in 1968
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93518, Caliente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 770 (100%) |
| Owner Occupied HU | 438 (56.9%) |
| Renter Occupied HU | 75 ( 9.7%) |
| Vacant Housing Units | 257 (33.4%) |
| Median Home Value | $407,767 |
| Average Home Value | $439,001 |
Housing Distribution
Address Breakdown
Residential
619
Single Family
619
Multi-Family
0
Businesses
47
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 1968
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93518, Caliente, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 770 (100%) |
| Owner Occupied HU | 438 (56.9%) |
| Renter Occupied HU | 75 ( 9.7%) |
| Vacant Housing Units | 257 (33.4%) |
| Median Home Value | $407,767 |
| Average Home Value | $439,001 |
Housing Distribution
Address Breakdown
Residential
619
Single Family
619
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Annette M. Pounds • Destiny Real Estate
Mls Name: Bakersfield AOR
Mls ID: #202511911