1374 Saginaw AveClovisCA93612
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1374 Saginaw Ave, Clovis, CA, 93612 in Clovis. Priced at $415,000, it generates $4,225/mo in gross rent and $1,658/mo in net monthly cash flow, a 12.22% yield that comfortably supports the 2.26 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,895. Five-year appreciation: $114,657. Equity from principal paydown: $3,822/yr. Total projected cumulative return: $264,027.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 6.0% |
| Monthly Cash Flow | $1,658 | $200 |
City averages based on Clovis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,225 |
| Total Monthly Debt Service | $2,402 |
| DSCR Ratio | 1.76x |
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 1986
6,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93612, Clovis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,346 (100%) |
| Owner Occupied HU | 5,698 (34.9%) |
| Renter Occupied HU | 9,714 (59.4%) |
| Vacant Housing Units | 934 ( 5.7%) |
| Median Home Value | $376,731 |
| Average Home Value | $387,303 |
Housing Distribution
Address Breakdown
Residential
14,958
Single Family
11,899
Multi-Family
3,059
Businesses
1,707
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 1986
6,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93612, Clovis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,346 (100%) |
| Owner Occupied HU | 5,698 (34.9%) |
| Renter Occupied HU | 9,714 (59.4%) |
| Vacant Housing Units | 934 ( 5.7%) |
| Median Home Value | $376,731 |
| Average Home Value | $387,303 |
Housing Distribution
Address Breakdown
Residential
14,958
Single Family
11,899
Multi-Family
3,059
Businesses
1,707
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices