1192 Creekside PlacePortervilleCA93257
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1192 Creekside Place, Porterville, CA, 93257 in Porterville is narrow, $3/mo net on $2,280/mo rent after the $1,655/mo debt service, but the property operates at break-even-plus, not a loss. At $368,000 with a 7.43% yield, the long-run equity case via 5% appreciation ($101,672 over five years) and $3,389/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $139,754.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $3 | $300 |
City averages based on Porterville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $2,130 |
| DSCR Ratio | 1.07x |
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 2025
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93257, Porterville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,215 (100%) |
| Owner Occupied HU | 13,456 (53.4%) |
| Renter Occupied HU | 10,551 (41.8%) |
| Vacant Housing Units | 1,208 ( 4.8%) |
| Median Home Value | $315,910 |
| Average Home Value | $353,818 |
Housing Distribution
Address Breakdown
Residential
23,579
Single Family
22,435
Multi-Family
1,144
Businesses
1,380
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 2025
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93257, Porterville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,215 (100%) |
| Owner Occupied HU | 13,456 (53.4%) |
| Renter Occupied HU | 10,551 (41.8%) |
| Vacant Housing Units | 1,208 ( 4.8%) |
| Median Home Value | $315,910 |
| Average Home Value | $353,818 |
Housing Distribution
Address Breakdown
Residential
23,579
Single Family
22,435
Multi-Family
1,144
Businesses
1,380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Morales • AXEN Realty
Mls Name: TCMLS
Mls ID: #239824