904 W Nectarine AveLompocCA93436
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 904 W Nectarine Ave, Lompoc, CA, 93436 in Lompoc. Priced at $399,000, it generates $3,497/mo in gross rent and $1,029/mo in net monthly cash flow, a 10.52% yield that comfortably supports the 1.95 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $12,342. Five-year appreciation: $110,236. Equity from principal paydown: $3,675/yr. Total projected cumulative return: $217,505.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.5% |
| Monthly Cash Flow | $1,029 | $400 |
City averages based on Lompoc market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,497 |
| Total Monthly Debt Service | $2,310 |
| DSCR Ratio | 1.51x |
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.
Single Family
Built in 1959
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93436, Lompoc, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,538 (100%) |
| Owner Occupied HU | 10,053 (51.5%) |
| Renter Occupied HU | 8,540 (43.7%) |
| Vacant Housing Units | 945 ( 4.8%) |
| Median Home Value | $513,530 |
| Average Home Value | $612,471 |
Housing Distribution
Address Breakdown
Residential
18,820
Single Family
17,507
Multi-Family
1,313
Businesses
1,120
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
Single Family
Built in 1959
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93436, Lompoc, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,538 (100%) |
| Owner Occupied HU | 10,053 (51.5%) |
| Renter Occupied HU | 8,540 (43.7%) |
| Vacant Housing Units | 945 ( 4.8%) |
| Median Home Value | $513,530 |
| Average Home Value | $612,471 |
Housing Distribution
Address Breakdown
Residential
18,820
Single Family
17,507
Multi-Family
1,313
Businesses
1,120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices