12505 Ave 326VisaliaCA93291
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12505 Ave 326, Visalia, CA, 93291 in Visalia speaks for itself: 10.38% gross on a $275,000 price, generating $2,378/mo in rent and $677/mo in net income after the $1,237/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,126 stacks alongside $75,977 in projected five-year appreciation and $2,533/yr in principal reduction. Projected total cumulative return: $147,807.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.5% |
| Monthly Cash Flow | $677 | $320 |
City averages based on Visalia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,378 |
| Total Monthly Debt Service | $1,592 |
| DSCR Ratio | 1.49x |
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 1975
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93291, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,411 (100%) |
| Owner Occupied HU | 13,215 (61.7%) |
| Renter Occupied HU | 7,270 (34.0%) |
| Vacant Housing Units | 926 ( 4.3%) |
| Median Home Value | $408,484 |
| Average Home Value | $451,368 |
Housing Distribution
Address Breakdown
Residential
20,832
Single Family
20,057
Multi-Family
775
Businesses
1,752
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 1975
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93291, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,411 (100%) |
| Owner Occupied HU | 13,215 (61.7%) |
| Renter Occupied HU | 7,270 (34.0%) |
| Vacant Housing Units | 926 ( 4.3%) |
| Median Home Value | $408,484 |
| Average Home Value | $451,368 |
Housing Distribution
Address Breakdown
Residential
20,832
Single Family
20,057
Multi-Family
775
Businesses
1,752
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christopher A Harris • Realty Concepts, Ltd
Mls Name: TCMLS
Mls ID: #236907