1541 Vine CirAtwaterCA95301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1541 Vine Cir, Atwater, CA, 95301 in Atwater is listed at $305,000 and delivers $2,291/mo in rent and $404/mo in net monthly cash flow. The 9.01% yield and 1.67 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $84,266 over five years, and $2,809/yr in principal reduction supplements cash return. Total projected cumulative return: $141,734.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $404 | $300 |
City averages based on Atwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,291 |
| Total Monthly Debt Service | $1,765 |
| DSCR Ratio | 1.30x |
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 1990
2,871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
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 1990
2,871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices