2118 Orchard RdVernalisCA95385
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2118 Orchard Rd, Vernalis, CA, 95385 in Vernalis is capital appreciation. Rental yield 1.4%. The 1.4% gross yield at $1,800,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $497,307 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.26) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $100,621.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 7.0% |
| Monthly Cash Flow | $(9,042) | $1,200 |
City averages based on Vernalis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,093 |
| Total Monthly Debt Service | $10,419 |
| DSCR Ratio | 0.20x |
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.
Multi Family
Built in N/A
3.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95385, Vernalis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 44 (58.7%) |
| Renter Occupied HU | 21 (28.0%) |
| Vacant Housing Units | 10 (13.3%) |
| Median Home Value | $636,364 |
| Average Home Value | $881,932 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
11
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
Multi Family
Built in N/A
3.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95385, Vernalis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 44 (58.7%) |
| Renter Occupied HU | 21 (28.0%) |
| Vacant Housing Units | 10 (13.3%) |
| Median Home Value | $636,364 |
| Average Home Value | $881,932 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices