1920 Cielito DrModestoCA95358
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1920 Cielito Dr, Modesto, CA, 95358 in Modesto: $3,499/mo in rent, $604/mo in net income, 8.97% gross yield, 1.66 DSCR, all at $468,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $129,300 in appreciation and $4,310/yr in principal paydown projects total cumulative return of $216,343.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.8% |
| Monthly Cash Flow | $604 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,499 |
| Total Monthly Debt Service | $2,709 |
| DSCR Ratio | 1.29x |
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 2005
5,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95358, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,162 (100%) |
| Owner Occupied HU | 5,448 (59.5%) |
| Renter Occupied HU | 3,425 (37.4%) |
| Vacant Housing Units | 289 ( 3.2%) |
| Median Home Value | $478,429 |
| Average Home Value | $585,853 |
Housing Distribution
Address Breakdown
Residential
8,705
Single Family
8,704
Multi-Family
1
Businesses
465
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 2005
5,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95358, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,162 (100%) |
| Owner Occupied HU | 5,448 (59.5%) |
| Renter Occupied HU | 3,425 (37.4%) |
| Vacant Housing Units | 289 ( 3.2%) |
| Median Home Value | $478,429 |
| Average Home Value | $585,853 |
Housing Distribution
Address Breakdown
Residential
8,705
Single Family
8,704
Multi-Family
1
Businesses
465
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shirley Rodriguez • First Team Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225114810