43112 28th St WLancasterCA93536
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.77% yield at 43112 28th St W, Lancaster, CA, 93536 in Lancaster is solid, but the $2,428/mo payment compresses net cash flow to $154/mo at $539,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $149,164 by year five, and $4,973/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.44) without U.S. income documentation. Total projected return: $214,621.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.8% |
| Monthly Cash Flow | $154 | $285 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,494 |
| Total Monthly Debt Service | $3,125 |
| DSCR Ratio | 1.12x |
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 2006
6,864 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93536, Lancaster, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,142 (100%) |
| Owner Occupied HU | 17,245 (68.6%) |
| Renter Occupied HU | 6,960 (27.7%) |
| Vacant Housing Units | 937 ( 3.7%) |
| Median Home Value | $523,584 |
| Average Home Value | $637,609 |
Housing Distribution
Address Breakdown
Residential
24,236
Single Family
23,654
Multi-Family
582
Businesses
567
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
6,864 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93536, Lancaster, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,142 (100%) |
| Owner Occupied HU | 17,245 (68.6%) |
| Renter Occupied HU | 6,960 (27.7%) |
| Vacant Housing Units | 937 ( 3.7%) |
| Median Home Value | $523,584 |
| Average Home Value | $637,609 |
Housing Distribution
Address Breakdown
Residential
24,236
Single Family
23,654
Multi-Family
582
Businesses
567
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maxi Case • The Real Estate Place
Mls Name: CRMLS
Mls ID: #SR26023592