841 Vista Del RioSanta MariaCA93458
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 841 Vista Del Rio, Santa Maria, CA, 93458 in Santa Maria speaks for itself: 17.65% gross on a $259,000 price, generating $3,810/mo in rent and $2,208/mo in net income after the $1,165/mo debt service. DSCR 3.27, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $26,493 stacks alongside $71,557 in projected five-year appreciation and $2,385/yr in principal reduction. Projected total cumulative return: $240,269.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.7% | 5.5% |
| Monthly Cash Flow | $2,208 | $300 |
City averages based on Santa Maria market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,810 |
| Total Monthly Debt Service | $1,499 |
| DSCR Ratio | 2.54x |
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 1991
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93458, Santa Maria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,643 (100%) |
| Owner Occupied HU | 6,383 (43.6%) |
| Renter Occupied HU | 7,772 (53.1%) |
| Vacant Housing Units | 488 ( 3.3%) |
| Median Home Value | $481,992 |
| Average Home Value | $589,907 |
Housing Distribution
Address Breakdown
Residential
13,861
Single Family
11,593
Multi-Family
2,268
Businesses
705
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 1991
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93458, Santa Maria, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,643 (100%) |
| Owner Occupied HU | 6,383 (43.6%) |
| Renter Occupied HU | 7,772 (53.1%) |
| Vacant Housing Units | 488 ( 3.3%) |
| Median Home Value | $481,992 |
| Average Home Value | $589,907 |
Housing Distribution
Address Breakdown
Residential
13,861
Single Family
11,593
Multi-Family
2,268
Businesses
705
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices