4312 Waterside LnOxnardCA93035
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 4312 Waterside Ln, Oxnard, CA, 93035 in Oxnard. At $955,000 it earns $6,269/mo in rent and distributes $361/mo to the owner after the $4,294/mo payment, a consistent 7.88% yield. DSCR 1.46 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $263,849 in value; $8,796/yr in principal paydown compounds ownership stake. Total projected return: $385,393.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $361 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,269 |
| Total Monthly Debt Service | $5,528 |
| DSCR Ratio | 1.13x |
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 2003
3,484 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 2003
3,484 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: Edward Frish • Century 21 Hollywood
Mls Name: CRMLS
Mls ID: #SR25123569