17535 Gemini CtLathropCA95330
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Lathrop rental at 17535 Gemini Ct, Lathrop, CA, 95330 sits in the solid-income band: 8.24% gross yield, $6,046/mo rent, $602/mo net after the $3,957/mo debt service, DSCR 1.53. Entry price of $879,950 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $243,114 and $8,104/yr in principal reduction bring total cumulative return to $372,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $602 | $400 |
City averages based on Lathrop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,046 |
| Total Monthly Debt Service | $5,093 |
| DSCR Ratio | 1.19x |
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 2021
6,142 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95330, Lathrop, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,872 (100%) |
| Owner Occupied HU | 9,370 (78.9%) |
| Renter Occupied HU | 2,055 (17.3%) |
| Vacant Housing Units | 447 ( 3.8%) |
| Median Home Value | $643,207 |
| Average Home Value | $656,533 |
Housing Distribution
Address Breakdown
Residential
10,658
Single Family
10,422
Multi-Family
236
Businesses
488
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 2021
6,142 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95330, Lathrop, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,872 (100%) |
| Owner Occupied HU | 9,370 (78.9%) |
| Renter Occupied HU | 2,055 (17.3%) |
| Vacant Housing Units | 447 ( 3.8%) |
| Median Home Value | $643,207 |
| Average Home Value | $656,533 |
Housing Distribution
Address Breakdown
Residential
10,658
Single Family
10,422
Multi-Family
236
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices