5715 Santa Cruz Rd Spc 37AtascaderoCA93422
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 5715 Santa Cruz Rd Spc 37, Atascadero, CA, 93422 in Atascadero earns a 9.36% gross yield at $186,000. Rent of $1,451/mo nets $300/mo after the $836/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $51,388 and $1,713/yr in equity accumulation project a total cumulative return of $89,890.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.0% |
| Monthly Cash Flow | $300 | $300 |
City averages based on Atascadero market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,451 |
| Total Monthly Debt Service | $1,077 |
| DSCR Ratio | 1.35x |
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.
Manufactured
Built in 2006
993.17 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93422, Atascadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,692 (100%) |
| Owner Occupied HU | 8,593 (62.8%) |
| Renter Occupied HU | 4,296 (31.4%) |
| Vacant Housing Units | 803 ( 5.9%) |
| Median Home Value | $738,208 |
| Average Home Value | $808,875 |
Housing Distribution
Address Breakdown
Residential
12,734
Single Family
12,182
Multi-Family
552
Businesses
949
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
Manufactured
Built in 2006
993.17 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93422, Atascadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,692 (100%) |
| Owner Occupied HU | 8,593 (62.8%) |
| Renter Occupied HU | 4,296 (31.4%) |
| Vacant Housing Units | 803 ( 5.9%) |
| Median Home Value | $738,208 |
| Average Home Value | $808,875 |
Housing Distribution
Address Breakdown
Residential
12,734
Single Family
12,182
Multi-Family
552
Businesses
949
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bakersfield AOR
Mls ID: #202601078