2216 Whitcomb WayModestoCA95350
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2216 Whitcomb Way, Modesto, CA, 95350 in Modesto deserves attention. This $400,000 property earns $4,427/mo in rent, a 13.28% gross yield, and nets $1,952/mo after the $1,799/mo payment. DSCR 2.46 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $110,513 compounds alongside $3,684/yr in yearly equity build, for a total cumulative return of $277,318.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 5.8% |
| Monthly Cash Flow | $1,952 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,427 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.91x |
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 1996
6,251 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95350, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,644 (100%) |
| Owner Occupied HU | 10,724 (51.9%) |
| Renter Occupied HU | 9,149 (44.3%) |
| Vacant Housing Units | 771 ( 3.7%) |
| Median Home Value | $454,823 |
| Average Home Value | $496,752 |
Housing Distribution
Address Breakdown
Residential
20,397
Single Family
17,476
Multi-Family
2,921
Businesses
1,612
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 1996
6,251 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95350, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,644 (100%) |
| Owner Occupied HU | 10,724 (51.9%) |
| Renter Occupied HU | 9,149 (44.3%) |
| Vacant Housing Units | 771 ( 3.7%) |
| Median Home Value | $454,823 |
| Average Home Value | $496,752 |
Housing Distribution
Address Breakdown
Residential
20,397
Single Family
17,476
Multi-Family
2,921
Businesses
1,612
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices