204 North StLos BanosCA93635
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 204 North St, Los Banos, CA, 93635 in Los Banos at $446,490 earns $2,959/mo in rent and nets $197/mo after the $2,008/mo payment, a 7.95% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $123,357 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $4,112/yr in principal paydown, total projected return reaches $182,004.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.5% |
| Monthly Cash Flow | $197 | $150 |
City averages based on Los Banos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,959 |
| Total Monthly Debt Service | $2,584 |
| DSCR Ratio | 1.14x |
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 2018
6,455 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93635, Los Banos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,527 (100%) |
| Owner Occupied HU | 9,325 (60.1%) |
| Renter Occupied HU | 5,581 (35.9%) |
| Vacant Housing Units | 621 ( 4.0%) |
| Median Home Value | $433,586 |
| Average Home Value | $484,654 |
Housing Distribution
Address Breakdown
Residential
15,020
Single Family
14,691
Multi-Family
329
Businesses
1,012
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 2018
6,455 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93635, Los Banos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,527 (100%) |
| Owner Occupied HU | 9,325 (60.1%) |
| Renter Occupied HU | 5,581 (35.9%) |
| Vacant Housing Units | 621 ( 4.0%) |
| Median Home Value | $433,586 |
| Average Home Value | $484,654 |
Housing Distribution
Address Breakdown
Residential
15,020
Single Family
14,691
Multi-Family
329
Businesses
1,012
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erika Carrasco • Intero Real Estate Services
Mls Name: MLSListings Inc
Mls ID: #ML82021873