200 Gilbert DrRiponCA95366
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 200 Gilbert Dr, Ripon, CA, 95366 in Ripon. Priced at $369,000, it generates $4,058/mo in gross rent and $1,558/mo in net monthly cash flow, a 13.2% yield that comfortably supports the 2.45 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,695. Five-year appreciation: $101,948. Equity from principal paydown: $3,399/yr. Total projected cumulative return: $241,122.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 6.0% |
| Monthly Cash Flow | $1,558 | $1,500 |
City averages based on Ripon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,058 |
| Total Monthly Debt Service | $2,354 |
| DSCR Ratio | 1.72x |
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.
Condo
Built in 1987
2,670 sqft lot
$N/A/sqft
$215 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95366, Ripon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,469 (100%) |
| Owner Occupied HU | 4,467 (69.1%) |
| Renter Occupied HU | 1,778 (27.5%) |
| Vacant Housing Units | 224 ( 3.5%) |
| Median Home Value | $737,147 |
| Average Home Value | $755,471 |
Housing Distribution
Address Breakdown
Residential
6,376
Single Family
6,027
Multi-Family
349
Businesses
662
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
Condo
Built in 1987
2,670 sqft lot
$N/A/sqft
$215 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95366, Ripon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,469 (100%) |
| Owner Occupied HU | 4,467 (69.1%) |
| Renter Occupied HU | 1,778 (27.5%) |
| Vacant Housing Units | 224 ( 3.5%) |
| Median Home Value | $737,147 |
| Average Home Value | $755,471 |
Housing Distribution
Address Breakdown
Residential
6,376
Single Family
6,027
Multi-Family
349
Businesses
662
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices