1394 Pajaro Ave APT 19MantecaCA95336
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1394 Pajaro Ave APT 19, Manteca, CA, 95336 in Manteca at $379,900 earns $2,630/mo in rent and nets $97/mo after the $1,708/mo payment, a 8.31% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $104,959 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $3,499/yr in principal paydown, total projected return reaches $143,985.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.5% |
| Monthly Cash Flow | $97 | $200 |
City averages based on Manteca market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,630 |
| Total Monthly Debt Service | $2,501 |
| DSCR Ratio | 1.05x |
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.
Multi Family
Built in 1979
2,731 sqft lot
$N/A/sqft
$130 see remarks HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95336, Manteca, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,169 (100%) |
| Owner Occupied HU | 11,028 (64.2%) |
| Renter Occupied HU | 5,483 (31.9%) |
| Vacant Housing Units | 658 ( 3.8%) |
| Median Home Value | $579,890 |
| Average Home Value | $595,678 |
Housing Distribution
Address Breakdown
Residential
16,886
Single Family
15,121
Multi-Family
1,765
Businesses
1,283
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
Multi Family
Built in 1979
2,731 sqft lot
$N/A/sqft
$130 see remarks HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95336, Manteca, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,169 (100%) |
| Owner Occupied HU | 11,028 (64.2%) |
| Renter Occupied HU | 5,483 (31.9%) |
| Vacant Housing Units | 658 ( 3.8%) |
| Median Home Value | $579,890 |
| Average Home Value | $595,678 |
Housing Distribution
Address Breakdown
Residential
16,886
Single Family
15,121
Multi-Family
1,765
Businesses
1,283
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices