4632 S C StOxnardCA93033
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4632 S C St, Oxnard, CA, 93033 in Oxnard. At $724,950 it earns $5,096/mo in rent and distributes $612/mo to the owner after the $3,260/mo payment, a consistent 8.44% yield. DSCR 1.56 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $200,290 in value; $6,677/yr in principal paydown compounds ownership stake. Total projected return: $314,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $612 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,096 |
| Total Monthly Debt Service | $4,196 |
| DSCR Ratio | 1.21x |
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 1959
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93033, Oxnard, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,924 (100%) |
| Owner Occupied HU | 9,880 (55.1%) |
| Renter Occupied HU | 7,599 (42.4%) |
| Vacant Housing Units | 445 ( 2.5%) |
| Median Home Value | $574,675 |
| Average Home Value | $598,320 |
Housing Distribution
Address Breakdown
Residential
17,300
Single Family
15,320
Multi-Family
1,980
Businesses
1,107
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 1959
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93033, Oxnard, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,924 (100%) |
| Owner Occupied HU | 9,880 (55.1%) |
| Renter Occupied HU | 7,599 (42.4%) |
| Vacant Housing Units | 445 ( 2.5%) |
| Median Home Value | $574,675 |
| Average Home Value | $598,320 |
Housing Distribution
Address Breakdown
Residential
17,300
Single Family
15,320
Multi-Family
1,980
Businesses
1,107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #OC26069415