2174 Baldwin AvePalermoCA95968
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 2174 Baldwin Ave, Palermo, CA, 95968 in Palermo worth modelling. At $139,000 with a 9.01% gross yield, the $1,044/mo rent leaves $184/mo after the $625/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.67 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $38,403 by year five; $1,280/yr in principal reduction adds further equity. Total projected return: $64,592.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.0% |
| Monthly Cash Flow | $184 | $1,200 |
City averages based on Palermo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,044 |
| Total Monthly Debt Service | $805 |
| DSCR Ratio | 1.30x |
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 1977
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95968, Palermo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 335 (62.7%) |
| Renter Occupied HU | 166 (31.1%) |
| Vacant Housing Units | 33 ( 6.2%) |
| Median Home Value | $224,306 |
| Average Home Value | $262,246 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
39
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 1977
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95968, Palermo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 534 (100%) |
| Owner Occupied HU | 335 (62.7%) |
| Renter Occupied HU | 166 (31.1%) |
| Vacant Housing Units | 33 ( 6.2%) |
| Median Home Value | $224,306 |
| Average Home Value | $262,246 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Galakhov • eXp of Northern California, Inc
Mls Name: SDMLS
Mls ID: #250042030