212 W 4th StRiponCA95366
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 212 W 4th St, Ripon, CA, 95366 in Ripon the bet is firmly on appreciation. Rental yield 5.06%. The 5.06% gross yield on a $491,700 price is below income-first thresholds, but 5%/yr value growth projects $135,848 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.99) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $131,629.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(1,021) | $1,500 |
City averages based on Ripon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,190 |
| Total Monthly Debt Service | $2,846 |
| DSCR Ratio | 0.77x |
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 1945
4,965 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95366, Ripon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,469 (100%) |
| Owner Occupied HU | 4,467 (69.1%) |
| Renter Occupied HU | 1,778 (27.5%) |
| Vacant Housing Units | 224 ( 3.5%) |
| Median Home Value | $737,147 |
| Average Home Value | $755,471 |
Housing Distribution
Address Breakdown
Residential
6,376
Single Family
6,027
Multi-Family
349
Businesses
662
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 1945
4,965 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95366, Ripon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,469 (100%) |
| Owner Occupied HU | 4,467 (69.1%) |
| Renter Occupied HU | 1,778 (27.5%) |
| Vacant Housing Units | 224 ( 3.5%) |
| Median Home Value | $737,147 |
| Average Home Value | $755,471 |
Housing Distribution
Address Breakdown
Residential
6,376
Single Family
6,027
Multi-Family
349
Businesses
662
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A