19987 Campbell StHilmarCA95324
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.67% yield at 19987 Campbell St, Hilmar, CA, 95324 in Hilmar is solid, but the $1,799/mo payment compresses net cash flow to $84/mo at $399,999. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $110,512 by year five, and $3,684/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.42) without U.S. income documentation. Total projected return: $157,053.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $84 | $1,500 |
City averages based on Hilmar market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,558 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.10x |
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 1972
6,987 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95324, Hilmar, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,617 (100%) |
| Owner Occupied HU | 1,644 (62.8%) |
| Renter Occupied HU | 882 (33.7%) |
| Vacant Housing Units | 91 ( 3.5%) |
| Median Home Value | $439,148 |
| Average Home Value | $500,979 |
Housing Distribution
Address Breakdown
Residential
2,351
Single Family
2,345
Multi-Family
6
Businesses
215
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 1972
6,987 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95324, Hilmar, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,617 (100%) |
| Owner Occupied HU | 1,644 (62.8%) |
| Renter Occupied HU | 882 (33.7%) |
| Vacant Housing Units | 91 ( 3.5%) |
| Median Home Value | $439,148 |
| Average Home Value | $500,979 |
Housing Distribution
Address Breakdown
Residential
2,351
Single Family
2,345
Multi-Family
6
Businesses
215
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jose Ojeda • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls ID: #225127439