10850 Bernadine AveClovisCA93619
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 10850 Bernadine Ave, Clovis, CA, 93619 in Clovis is the 1.50 coverage ratio: rent of $4,283/mo versus a $2,855/mo debt payment on a $635,000 property. Rental yield 8.09%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $175,439 by year five, with $5,848/yr in equity from paydown. Total projected cumulative return: $236,573.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $(97) | $200 |
City averages based on Clovis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,283 |
| Total Monthly Debt Service | $4,127 |
| DSCR Ratio | 1.04x |
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 2014
8,023 sqft lot
$N/A/sqft
$300 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
Single Family
Built in 2014
8,023 sqft lot
$N/A/sqft
$300 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Parminder Singh • London Properties-Kingsburg
Mls Name: Fresno MLS
Mls ID: #629882