53 8th StTempletonCA93465
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder53 8th St, Templeton, CA, 93465 in Templeton is a stable, well-positioned rental at $638,000. Rental yield 7.23%. DSCR 1.34 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $176,268 in value and $5,876/yr in principal paydown builds equity, a total projected return of $235,291.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.8% |
| Monthly Cash Flow | $(324) | $1,500 |
City averages based on Templeton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,844 |
| Total Monthly Debt Service | $3,693 |
| DSCR Ratio | 1.04x |
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.
Townhouse
Built in 2016
1,674 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93465, Templeton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,238 (100%) |
| Owner Occupied HU | 2,705 (63.8%) |
| Renter Occupied HU | 1,089 (25.7%) |
| Vacant Housing Units | 444 (10.5%) |
| Median Home Value | $940,256 |
| Average Home Value | $1,130,441 |
Housing Distribution
Address Breakdown
Residential
3,792
Single Family
3,792
Multi-Family
0
Businesses
600
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
Townhouse
Built in 2016
1,674 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93465, Templeton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,238 (100%) |
| Owner Occupied HU | 2,705 (63.8%) |
| Renter Occupied HU | 1,089 (25.7%) |
| Vacant Housing Units | 444 (10.5%) |
| Median Home Value | $940,256 |
| Average Home Value | $1,130,441 |
Housing Distribution
Address Breakdown
Residential
3,792
Single Family
3,792
Multi-Family
0
Businesses
600
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ranelle Bettencourt • Home & Ranch Sotheby's Intl
Mls Name: CRMLS
Mls ID: #NS26027815