13118 6th StHickmanCA95323
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 13118 6th St, Hickman, CA, 95323 in Hickman is a conservative rental investment at $447,000. Rental yield 6.81%. A 1.26 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $123,498; $4,117/yr in principal paydown supplements. Total projected return: $154,883.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.5% |
| Monthly Cash Flow | $(227) | $1,500 |
City averages based on Hickman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,538 |
| Total Monthly Debt Service | $2,587 |
| DSCR Ratio | 0.98x |
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.
Single Family
Built in 1968
8,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95323, Hickman, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 384 (100%) |
| Owner Occupied HU | 223 (58.1%) |
| Renter Occupied HU | 146 (38.0%) |
| Vacant Housing Units | 15 ( 3.9%) |
| Median Home Value | $641,055 |
| Average Home Value | $825,404 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
49
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 1968
8,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95323, Hickman, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 384 (100%) |
| Owner Occupied HU | 223 (58.1%) |
| Renter Occupied HU | 146 (38.0%) |
| Vacant Housing Units | 15 ( 3.9%) |
| Median Home Value | $641,055 |
| Average Home Value | $825,404 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
332
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marissa Burns • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #225078078