645 Winchester DrOxnardCA93036
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 645 Winchester Dr, Oxnard, CA, 93036 in Oxnard. Priced at $777,777, it generates $7,453/mo in gross rent and $2,360/mo in net monthly cash flow, a 11.5% yield that comfortably supports the 2.13 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $28,317. Five-year appreciation: $214,885. Equity from principal paydown: $7,163/yr. Total projected cumulative return: $448,014.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.5% |
| Monthly Cash Flow | $2,360 | $200 |
City averages based on Oxnard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,453 |
| Total Monthly Debt Service | $4,784 |
| DSCR Ratio | 1.56x |
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.
Condo
Built in 2022
843 sqft lot
$N/A/sqft
$282 monthly HOA
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
Condo
Built in 2022
843 sqft lot
$N/A/sqft
$282 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices