20630 S Santa Fe RdEscalonCA95320
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 20630 S Santa Fe Rd, Escalon, CA, 95320 in Escalon. At $660,000 it earns $4,694/mo in rent and distributes $612/mo to the owner after the $2,968/mo payment, a consistent 8.54% yield. DSCR 1.58 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $182,346 in value; $6,079/yr in principal paydown compounds ownership stake. Total projected return: $289,567.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.0% |
| Monthly Cash Flow | $612 | $400 |
City averages based on Escalon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,694 |
| Total Monthly Debt Service | $3,820 |
| DSCR Ratio | 1.23x |
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 1966
0.76 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 1966
0.76 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