53365 Main StSan LucasCA93954
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 53365 Main St, San Lucas, CA, 93954 in San Lucas. At $245,000 it earns $1,760/mo in rent and distributes $244/mo to the owner after the $1,102/mo payment, a consistent 8.62% yield. DSCR 1.60 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $67,689 in value; $2,256/yr in principal paydown compounds ownership stake. Total projected return: $108,628.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $244 | $1,200 |
City averages based on San Lucas market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,760 |
| Total Monthly Debt Service | $1,418 |
| DSCR Ratio | 1.24x |
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 1958
6,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93954, San Lucas, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 76 (100%) |
| Owner Occupied HU | 30 (39.5%) |
| Renter Occupied HU | 46 (60.5%) |
| Vacant Housing Units | 0 |
| Median Home Value | $225,000 |
| Average Home Value | $609,583 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
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 1958
6,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93954, San Lucas, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 76 (100%) |
| Owner Occupied HU | 30 (39.5%) |
| Renter Occupied HU | 46 (60.5%) |
| Vacant Housing Units | 0 |
| Median Home Value | $225,000 |
| Average Home Value | $609,583 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Listed by: Belinda Hendrickson • Bengard Realty
Mls Name: MLSListings Inc
Mls ID: #ML82019828