20445 W Manning AveSan JoaquinCA93660
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20445 W Manning Ave, San Joaquin, CA, 93660 in San Joaquin fits: $1,050,000, 4% gross yield, and a projected 5% annual appreciation rate adding $290,096 in value within five years. Rental yield 4%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.74) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,671/yr in principal paydown and $290,096 in appreciation project a total return of $205,197.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(2,999) | $1,500 |
City averages based on San Joaquin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,497 |
| Total Monthly Debt Service | $6,078 |
| DSCR Ratio | 0.58x |
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 1953
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93660, San Joaquin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,068 (100%) |
| Owner Occupied HU | 450 (42.1%) |
| Renter Occupied HU | 570 (53.4%) |
| Vacant Housing Units | 48 ( 4.5%) |
| Median Home Value | $299,286 |
| Average Home Value | $397,528 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
60
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 1953
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93660, San Joaquin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,068 (100%) |
| Owner Occupied HU | 450 (42.1%) |
| Renter Occupied HU | 570 (53.4%) |
| Vacant Housing Units | 48 ( 4.5%) |
| Median Home Value | $299,286 |
| Average Home Value | $397,528 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carl M. Castro • Iron Key Real Estate
Mls Name: Fresno MLS
Mls ID: #639194