45440 13th St WLancasterCA93534
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 45440 13th St W, Lancaster, CA, 93534 in Lancaster. Priced at $390,000, it generates $3,442/mo in gross rent and $877/mo in net monthly cash flow, a 10.32% yield that comfortably supports the 1.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,519. Five-year appreciation: $107,750. Equity from principal paydown: $3,592/yr. Total projected cumulative return: $210,170.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.8% |
| Monthly Cash Flow | $877 | $285 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,442 |
| Total Monthly Debt Service | $2,323 |
| DSCR Ratio | 1.48x |
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 1957
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93534, Lancaster, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,405 (100%) |
| Owner Occupied HU | 5,839 (35.6%) |
| Renter Occupied HU | 9,673 (59.0%) |
| Vacant Housing Units | 893 ( 5.4%) |
| Median Home Value | $332,234 |
| Average Home Value | $443,400 |
Housing Distribution
Address Breakdown
Residential
15,550
Single Family
11,981
Multi-Family
3,569
Businesses
2,163
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 1957
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93534, Lancaster, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,405 (100%) |
| Owner Occupied HU | 5,839 (35.6%) |
| Renter Occupied HU | 9,673 (59.0%) |
| Vacant Housing Units | 893 ( 5.4%) |
| Median Home Value | $332,234 |
| Average Home Value | $443,400 |
Housing Distribution
Address Breakdown
Residential
15,550
Single Family
11,981
Multi-Family
3,569
Businesses
2,163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Norma Leon-Moncada • BGA Properties, Inc.
Mls Name: GAVAR
Mls Provider:
Mls ID: #24005551
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. The listing brokers offer of compensation is made only to participants of the MLS where the listing is filed.