20352 4th StreetStratfordCA93266
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing20352 4th Street, Stratford, CA, 93266 in Stratford is a stable, well-positioned rental at $265,000. Rental yield 6.75%. DSCR 1.25 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $73,215 in value and $2,441/yr in principal paydown builds equity, a total projected return of $90,979.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.0% |
| Monthly Cash Flow | $(148) | $200 |
City averages based on Stratford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,492 |
| Total Monthly Debt Service | $1,534 |
| DSCR Ratio | 0.97x |
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 1938
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93266, Stratford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 449 (100%) |
| Owner Occupied HU | 232 (51.7%) |
| Renter Occupied HU | 187 (41.6%) |
| Vacant Housing Units | 30 ( 6.7%) |
| Median Home Value | $271,429 |
| Average Home Value | $309,353 |
Housing Distribution
Address Breakdown
Residential
113
Single Family
113
Multi-Family
0
Businesses
32
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 1938
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93266, Stratford, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 449 (100%) |
| Owner Occupied HU | 232 (51.7%) |
| Renter Occupied HU | 187 (41.6%) |
| Vacant Housing Units | 30 ( 6.7%) |
| Median Home Value | $271,429 |
| Average Home Value | $309,353 |
Housing Distribution
Address Breakdown
Residential
113
Single Family
113
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Delma Mecum • Tienken Realty
Mls Name: TCMLS
Mls ID: #236983