20737 Fairway DrPattersonCA95363
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20737 Fairway Dr, Patterson, CA, 95363 in Patterson deserves attention. This $450,000 property earns $4,362/mo in rent, a 11.63% gross yield, and nets $1,094/mo after the $2,023/mo payment. DSCR 2.16 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $124,327 compounds alongside $4,145/yr in yearly equity build, for a total cumulative return of $243,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 5.5% |
| Monthly Cash Flow | $1,094 | $300 |
City averages based on Patterson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,362 |
| Total Monthly Debt Service | $3,089 |
| DSCR Ratio | 1.41x |
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 2015
6,804 sqft lot
$N/A/sqft
$232 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
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 2015
6,804 sqft lot
$N/A/sqft
$232 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices