45985 Ridge RdPoseyCA93260
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 45985 Ridge Rd, Posey, CA, 93260 in Posey is narrow, $28/mo net on $1,420/mo rent after the $1,012/mo debt service, but the property operates at break-even-plus, not a loss. At $225,000 with a 7.57% yield, the long-run equity case via 5% appreciation ($62,163 over five years) and $2,072/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $87,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.5% |
| Monthly Cash Flow | $28 | $1,500 |
City averages based on Posey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,420 |
| Total Monthly Debt Service | $1,302 |
| 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 1961
1.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93260, Posey, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 530 (100%) |
| Owner Occupied HU | 103 (19.4%) |
| Renter Occupied HU | 25 ( 4.7%) |
| Vacant Housing Units | 402 (75.8%) |
| Median Home Value | $362,500 |
| Average Home Value | $425,510 |
Housing Distribution
Address Breakdown
Residential
100
Single Family
100
Multi-Family
0
Businesses
14
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 1961
1.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93260, Posey, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 530 (100%) |
| Owner Occupied HU | 103 (19.4%) |
| Renter Occupied HU | 25 ( 4.7%) |
| Vacant Housing Units | 402 (75.8%) |
| Median Home Value | $362,500 |
| Average Home Value | $425,510 |
Housing Distribution
Address Breakdown
Residential
100
Single Family
100
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carrie A. Shreffler • Coldwell Banker Preferred,RLT
Mls Name: Bakersfield AOR
Mls ID: #202510192