4227 Whispering Pines DrSanta MariaCA93455
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Santa Maria rental at 4227 Whispering Pines Dr, Santa Maria, CA, 93455 sits in the solid-income band: 8.24% gross yield, $4,564/mo rent, $388/mo net after the $2,990/mo debt service, DSCR 1.53. Entry price of $665,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $183,727 and $6,125/yr in principal reduction bring total cumulative return to $281,177.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $388 | $300 |
City averages based on Santa Maria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,564 |
| Total Monthly Debt Service | $3,849 |
| DSCR Ratio | 1.19x |
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 1990
4,356 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1990
4,356 sqft lot
$N/A/sqft
No 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
Listed by: Tawnya Jean Rigsby • Century 21 Masters
Mls Name: North Santa Barbara County MLS
Mls ID: #26000130