23342 Derby AveFellowsCA93224
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 23342 Derby Ave, Fellows, CA, 93224 in Fellows. At $300,000 it earns $2,158/mo in rent and distributes $302/mo to the owner after the $1,349/mo payment, a consistent 8.63% yield. DSCR 1.60 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $82,884 in value; $2,763/yr in principal paydown compounds ownership stake. Total projected return: $133,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $302 | $300 |
City averages based on Fellows market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,158 |
| Total Monthly Debt Service | $1,736 |
| DSCR Ratio | 1.24x |
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 1925
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93224, Fellows, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 179 (100%) |
| Owner Occupied HU | 97 (54.2%) |
| Renter Occupied HU | 59 (33.0%) |
| Vacant Housing Units | 23 (12.8%) |
| Median Home Value | $184,722 |
| Average Home Value | $203,840 |
Housing Distribution
Address Breakdown
Residential
102
Single Family
102
Multi-Family
0
Businesses
16
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 1925
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93224, Fellows, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 179 (100%) |
| Owner Occupied HU | 97 (54.2%) |
| Renter Occupied HU | 59 (33.0%) |
| Vacant Housing Units | 23 (12.8%) |
| Median Home Value | $184,722 |
| Average Home Value | $203,840 |
Housing Distribution
Address Breakdown
Residential
102
Single Family
102
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices