1206 Merced StMaderaCA93638
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 1206 Merced St, Madera, CA, 93638 in Madera is straightforward: $359,000 in, $2,569/mo in rent, $348/mo out after debt service. The 8.59% gross yield and 1.59 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $99,185 by year five. With $3,306/yr in principal equity, the total cumulative return is projected at $158,578.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.5% |
| Monthly Cash Flow | $348 | $2,100 |
City averages based on Madera market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,569 |
| Total Monthly Debt Service | $2,078 |
| DSCR Ratio | 1.24x |
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
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93638, Madera, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,021 (100%) |
| Owner Occupied HU | 7,020 (53.9%) |
| Renter Occupied HU | 5,473 (42.0%) |
| Vacant Housing Units | 528 ( 4.1%) |
| Median Home Value | $356,944 |
| Average Home Value | $413,680 |
Housing Distribution
Address Breakdown
Residential
12,884
Single Family
12,190
Multi-Family
694
Businesses
622
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
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93638, Madera, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,021 (100%) |
| Owner Occupied HU | 7,020 (53.9%) |
| Renter Occupied HU | 5,473 (42.0%) |
| Vacant Housing Units | 528 ( 4.1%) |
| Median Home Value | $356,944 |
| Average Home Value | $413,680 |
Housing Distribution
Address Breakdown
Residential
12,884
Single Family
12,190
Multi-Family
694
Businesses
622
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brenda L. Valdez • 3D Realty
Mls Name: Fresno MLS
Mls ID: #624530