2315 Creekview DrMercedCA95340
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2315 Creekview Dr, Merced, CA, 95340 in Merced worth study. Rental yield 5.87%. The 5.87% gross yield is below cash-flow benchmarks at $500,000, but 5% annual appreciation, adding $138,141 over five years, frames this as a capital growth position. Rent of $2,591/mo partially offsets the $2,248/mo payment. Ziffy Mortgage finances appreciation-play properties (1.15 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $150,147.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(788) | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,591 |
| Total Monthly Debt Service | $3,013 |
| DSCR Ratio | 0.86x |
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 2020
7,927 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
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 2020
7,927 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karina Cano • Western Pioneer Properties
Mls Name: Fresno MLS
Mls ID: #630173