45728 Balmoral CtLancasterCA93534
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 45728 Balmoral Ct, Lancaster, CA, 93534 in Lancaster is narrow, $58/mo net on $2,626/mo rent after the $1,866/mo debt service, but the property operates at break-even-plus, not a loss. At $415,000 with a 7.59% yield, the long-run equity case via 5% appreciation ($114,657 over five years) and $3,822/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $161,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.8% |
| Monthly Cash Flow | $58 | $285 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,626 |
| Total Monthly Debt Service | $2,402 |
| DSCR Ratio | 1.09x |
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 1995
5,227 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 1995
5,227 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: Rhiannon Collado • Berkshire Hathaway HomeServices Troth, REALTORS
Mls Name: GAVAR
Mls ID: #26000280