20383 Sutliff RdEscalonCA95320
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 20383 Sutliff Rd, Escalon, CA, 95320 in Escalon is capital appreciation. Rental yield 2.75%. The 2.75% gross yield at $1,040,800 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $287,554 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.51) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $134,004.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 5.0% |
| Monthly Cash Flow | $(4,051) | $400 |
City averages based on Escalon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,388 |
| Total Monthly Debt Service | $6,024 |
| DSCR Ratio | 0.40x |
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 1943
14.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95320, Escalon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,712 (100%) |
| Owner Occupied HU | 3,081 (65.4%) |
| Renter Occupied HU | 1,422 (30.2%) |
| Vacant Housing Units | 209 ( 4.4%) |
| Median Home Value | $594,404 |
| Average Home Value | $689,809 |
Housing Distribution
Address Breakdown
Residential
4,507
Single Family
4,380
Multi-Family
127
Businesses
341
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 1943
14.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95320, Escalon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,712 (100%) |
| Owner Occupied HU | 3,081 (65.4%) |
| Renter Occupied HU | 1,422 (30.2%) |
| Vacant Housing Units | 209 ( 4.4%) |
| Median Home Value | $594,404 |
| Average Home Value | $689,809 |
Housing Distribution
Address Breakdown
Residential
4,507
Single Family
4,380
Multi-Family
127
Businesses
341
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: PMZ Real Estate
Mls Provider:
Mls ID: #225080088