4436 2nd StGuadalupeCA93434
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4436 2nd St, Guadalupe, CA, 93434 in Guadalupe at $549,900 earns $3,586/mo in rent and nets $184/mo after the $2,473/mo payment, a 7.82% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $151,927 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $5,065/yr in principal paydown, total projected return reaches $220,353.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $184 | $1,500 |
City averages based on Guadalupe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,586 |
| Total Monthly Debt Service | $3,183 |
| 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 1960
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93434, Guadalupe, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,223 (100%) |
| Owner Occupied HU | 1,206 (54.3%) |
| Renter Occupied HU | 944 (42.5%) |
| Vacant Housing Units | 73 ( 3.3%) |
| Median Home Value | $485,441 |
| Average Home Value | $472,328 |
Housing Distribution
Address Breakdown
Residential
2,301
Single Family
2,273
Multi-Family
28
Businesses
222
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 1960
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93434, Guadalupe, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,223 (100%) |
| Owner Occupied HU | 1,206 (54.3%) |
| Renter Occupied HU | 944 (42.5%) |
| Vacant Housing Units | 73 ( 3.3%) |
| Median Home Value | $485,441 |
| Average Home Value | $472,328 |
Housing Distribution
Address Breakdown
Residential
2,301
Single Family
2,273
Multi-Family
28
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ray Vega • eXp Realty of California, Inc.
Mls Name: North Santa Barbara County MLS
Mls ID: #25001921