1236 Vito AveModestoCA95351
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1236 Vito Ave, Modesto, CA, 95351 in Modesto is priced for appreciation, not yield. Rental yield 4.63%. At $519,000 with a 4.63% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $143,390 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.86) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $118,874.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.8% |
| Monthly Cash Flow | $(1,210) | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,000 |
| Total Monthly Debt Service | $3,004 |
| DSCR Ratio | 0.67x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1947
9,226 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95351, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,612 (100%) |
| Owner Occupied HU | 6,403 (47.0%) |
| Renter Occupied HU | 6,749 (49.6%) |
| Vacant Housing Units | 460 ( 3.4%) |
| Median Home Value | $376,029 |
| Average Home Value | $409,122 |
Housing Distribution
Address Breakdown
Residential
13,239
Single Family
12,139
Multi-Family
1,100
Businesses
1,333
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
Multi Family
Built in 1947
9,226 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95351, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,612 (100%) |
| Owner Occupied HU | 6,403 (47.0%) |
| Renter Occupied HU | 6,749 (49.6%) |
| Vacant Housing Units | 460 ( 3.4%) |
| Median Home Value | $376,029 |
| Average Home Value | $409,122 |
Housing Distribution
Address Breakdown
Residential
13,239
Single Family
12,139
Multi-Family
1,100
Businesses
1,333
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Johnny Flores • Cornerstone Homes
Mls Name: MetroList Services of CA
Mls ID: #225117940