17131 Cotton RdLos BanosCA93635
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 17131 Cotton Rd, Los Banos, CA, 93635 in Los Banos worth study. Rental yield 0.94%. The 0.94% gross yield is below cash-flow benchmarks at $1,995,000, but 5% annual appreciation, adding $551,182 over five years, frames this as a capital growth position. Rent of $1,570/mo partially offsets the $8,971/mo payment. Ziffy Mortgage finances appreciation-play properties (0.18 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $63,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.9% | 5.5% |
| Monthly Cash Flow | $(10,772) | $150 |
City averages based on Los Banos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,570 |
| Total Monthly Debt Service | $11,548 |
| DSCR Ratio | 0.14x |
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 1916
119 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93635, Los Banos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,527 (100%) |
| Owner Occupied HU | 9,325 (60.1%) |
| Renter Occupied HU | 5,581 (35.9%) |
| Vacant Housing Units | 621 ( 4.0%) |
| Median Home Value | $433,586 |
| Average Home Value | $484,654 |
Housing Distribution
Address Breakdown
Residential
15,020
Single Family
14,691
Multi-Family
329
Businesses
1,012
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 1916
119 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93635, Los Banos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,527 (100%) |
| Owner Occupied HU | 9,325 (60.1%) |
| Renter Occupied HU | 5,581 (35.9%) |
| Vacant Housing Units | 621 ( 4.0%) |
| Median Home Value | $433,586 |
| Average Home Value | $484,654 |
Housing Distribution
Address Breakdown
Residential
15,020
Single Family
14,691
Multi-Family
329
Businesses
1,012
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David A. Harris • California Ranch and Land
Mls Name: Fresno MLS
Mls ID: #622887