1105 Oak AveAtwaterCA95301
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow1105 Oak Ave, Atwater, CA, 95301 in Atwater is a top-tier cash-flow asset. At $169,900 it produces $2,536/mo in rent and $1,485/mo in net monthly income, a 17.91% gross rental yield. The DSCR of 3.32 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $17,815. Five-year appreciation adds $46,940, driving a total cumulative return of $160,011.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.9% | 6.0% |
| Monthly Cash Flow | $1,485 | $300 |
City averages based on Atwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,536 |
| Total Monthly Debt Service | $983 |
| DSCR Ratio | 2.58x |
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 1954
8,472 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
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 1954
8,472 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Austin G. Hartman • Real Broker
Mls Name: Fresno MLS
Mls ID: #637138