4849 Caliente AveNew CuyamaCA93254
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4849 Caliente Ave, New Cuyama, CA, 93254 in New Cuyama is narrow, $196/mo net on $2,039/mo rent after the $1,413/mo debt service, but the property operates at break-even-plus, not a loss. At $298,000 with a 8.21% yield, the long-run equity case via 5% appreciation ($82,332 over five years) and $2,498/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $119,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.0% |
| Monthly Cash Flow | $196 | $500 |
City averages based on New Cuyama market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,039 |
| Total Monthly Debt Service | $1,798 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1951
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93254, New Cuyama, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 307 (100%) |
| Owner Occupied HU | 151 (49.2%) |
| Renter Occupied HU | 107 (34.9%) |
| Vacant Housing Units | 49 (16.0%) |
| Median Home Value | $222,115 |
| Average Home Value | $440,199 |
Housing Distribution
Address Breakdown
Residential
20
Single Family
20
Multi-Family
0
Businesses
27
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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
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Listed by: N/A • N/A
Mls Name: North Santa Barbara County MLS
Mls Provider:
Mls ID: #26001965
