191 Birchwood AveLos BanosCA93635
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 191 Birchwood Ave, Los Banos, CA, 93635 in Los Banos offers a clean, manageable entry. Rental yield 6.92%. DSCR 1.28 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $182,318 in additional property value over five years, with $6,078/yr in principal equity building ownership stake. Total projected cumulative return: $230,602.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 5.5% |
| Monthly Cash Flow | $(307) | $150 |
City averages based on Los Banos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,806 |
| Total Monthly Debt Service | $3,851 |
| DSCR Ratio | 0.99x |
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 2001
7,564 sqft 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 2001
7,564 sqft 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: Maria Sanchez • Paradise Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224093907
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.