20 Hidden Springs RdRaymondCA93653
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 20 Hidden Springs Rd, Raymond, CA, 93653 in Raymond. Priced at $150,000, it generates $1,718/mo in gross rent and $790/mo in net monthly cash flow, a 13.75% yield that comfortably supports the 2.55 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,486. Five-year appreciation: $41,442. Equity from principal paydown: $1,382/yr. Total projected cumulative return: $107,780.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.8% | 5.2% |
| Monthly Cash Flow | $790 | $1,200 |
City averages based on Raymond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,718 |
| Total Monthly Debt Service | $868 |
| DSCR Ratio | 1.98x |
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.
Lot
Built in N/A
20.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93653, Raymond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 356 (66.3%) |
| Renter Occupied HU | 84 (15.6%) |
| Vacant Housing Units | 97 (18.1%) |
| Median Home Value | $537,770 |
| Average Home Value | $699,895 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
16
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
Lot
Built in N/A
20.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93653, Raymond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 356 (66.3%) |
| Renter Occupied HU | 84 (15.6%) |
| Vacant Housing Units | 97 (18.1%) |
| Median Home Value | $537,770 |
| Average Home Value | $699,895 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices