7886 Rocky Hill RdOnyxCA93255
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $120,000, 7886 Rocky Hill Rd, Onyx, CA, 93255 in Onyx generates $927/mo in rent (9.01% yield) but nets only $45/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.72) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $33,154. Total projected return: $50,577.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $45 | $1,200 |
City averages based on Onyx market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $927 |
| Total Monthly Debt Service | $808 |
| DSCR Ratio | 1.15x |
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 1968
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93255, Onyx, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 200 (53.1%) |
| Renter Occupied HU | 87 (23.1%) |
| Vacant Housing Units | 90 (23.9%) |
| Median Home Value | $152,273 |
| Average Home Value | $207,563 |
Housing Distribution
Address Breakdown
Residential
58
Single Family
58
Multi-Family
0
Businesses
2
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 1968
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93255, Onyx, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 377 (100%) |
| Owner Occupied HU | 200 (53.1%) |
| Renter Occupied HU | 87 (23.1%) |
| Vacant Housing Units | 90 (23.9%) |
| Median Home Value | $152,273 |
| Average Home Value | $207,563 |
Housing Distribution
Address Breakdown
Residential
58
Single Family
58
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan S. Dobbs • Ryan Dobbs Realty
Mls Name: Bakersfield AOR
Mls Provider:
Mls ID: #202502227
Disclaimer: Information is deemed reliable but not guaranteed. Copyright Golden Empire MLS, Inc. 2025.