655 Earl Joseph DrCamarilloCA93010
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 655 Earl Joseph Dr, Camarillo, CA, 93010 in Camarillo deserves attention. This $820,000 property earns $7,327/mo in rent, a 10.72% gross yield, and nets $1,929/mo after the $3,687/mo payment. DSCR 1.99 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $226,551 compounds alongside $7,552/yr in yearly equity build, for a total cumulative return of $436,439.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.0% |
| Monthly Cash Flow | $1,929 | $1,500 |
City averages based on Camarillo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,327 |
| Total Monthly Debt Service | $5,072 |
| DSCR Ratio | 1.44x |
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 2019
2,024 sqft lot
$N/A/sqft
$326 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93010, Camarillo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 10,634 (59.7%) |
| Renter Occupied HU | 6,391 (35.9%) |
| Vacant Housing Units | 785 ( 4.4%) |
| Median Home Value | $882,610 |
| Average Home Value | $1,012,977 |
Housing Distribution
Address Breakdown
Residential
17,256
Single Family
16,118
Multi-Family
1,138
Businesses
1,758
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 2019
2,024 sqft lot
$N/A/sqft
$326 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93010, Camarillo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,810 (100%) |
| Owner Occupied HU | 10,634 (59.7%) |
| Renter Occupied HU | 6,391 (35.9%) |
| Vacant Housing Units | 785 ( 4.4%) |
| Median Home Value | $882,610 |
| Average Home Value | $1,012,977 |
Housing Distribution
Address Breakdown
Residential
17,256
Single Family
16,118
Multi-Family
1,138
Businesses
1,758
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices