16495 Bay StDos PalosCA93620
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $285,000, 16495 Bay St, Dos Palos, CA, 93620 in Dos Palos generates $1,940/mo in rent (8.17% yield) but nets only $177/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.51) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $78,740. Total projected return: $119,423.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $177 | $800 |
City averages based on Dos Palos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,940 |
| Total Monthly Debt Service | $1,650 |
| DSCR Ratio | 1.18x |
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 1947
10,006 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93620, Dos Palos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,444 (100%) |
| Owner Occupied HU | 1,848 (53.7%) |
| Renter Occupied HU | 1,382 (40.1%) |
| Vacant Housing Units | 214 ( 6.2%) |
| Median Home Value | $433,077 |
| Average Home Value | $475,042 |
Housing Distribution
Address Breakdown
Residential
3,260
Single Family
3,223
Multi-Family
37
Businesses
211
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 1947
10,006 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93620, Dos Palos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,444 (100%) |
| Owner Occupied HU | 1,848 (53.7%) |
| Renter Occupied HU | 1,382 (40.1%) |
| Vacant Housing Units | 214 ( 6.2%) |
| Median Home Value | $433,077 |
| Average Home Value | $475,042 |
Housing Distribution
Address Breakdown
Residential
3,260
Single Family
3,223
Multi-Family
37
Businesses
211
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gale Edmondson • Westhill Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224118184
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.