1352 Speer StOakdaleCA95361
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 1352 Speer St, Oakdale, CA, 95361 in Oakdale is a conservative rental investment at $454,900. Rental yield 6.71%. A 1.24 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $125,680; $4,190/yr in principal paydown supplements. Total projected return: $155,161.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.0% |
| Monthly Cash Flow | $(269) | $300 |
City averages based on Oakdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,545 |
| Total Monthly Debt Service | $2,633 |
| DSCR Ratio | 0.97x |
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 1979
6,199 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
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 1979
6,199 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pamela Harmon • PMZ Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225004346
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.