1301 E 22nd StMercedCA95340
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1301 E 22nd St, Merced, CA, 95340 in Merced earns a 8.5% gross yield at $292,000. Rent of $2,068/mo nets $262/mo after the $1,313/mo mortgage. The 1.58 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $80,674 and $2,689/yr in equity accumulation project a total cumulative return of $127,553.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $262 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,068 |
| Total Monthly Debt Service | $1,690 |
| DSCR Ratio | 1.22x |
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 1950
6,267 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
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 1950
6,267 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jose Perez • Caminos Real Estate
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML81998150
Disclaimer: Based on information from the MLSListings MLS as of 2025-03-17 10:17:54 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.