23418 N Mackville RdClementsCA95227
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 23418 N Mackville Rd, Clements, CA, 95227 in Clements the bet is firmly on appreciation. Rental yield 4.26%. The 4.26% gross yield on a $899,000 price is below income-first thresholds, but 5%/yr value growth projects $248,377 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.79) 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: $188,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.0% |
| Monthly Cash Flow | $(2,371) | $1,500 |
City averages based on Clements market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,191 |
| Total Monthly Debt Service | $5,204 |
| DSCR Ratio | 0.61x |
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 1940
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95227, Clements, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 272 (100%) |
| Owner Occupied HU | 182 (66.9%) |
| Renter Occupied HU | 72 (26.5%) |
| Vacant Housing Units | 18 ( 6.6%) |
| Median Home Value | $841,398 |
| Average Home Value | $901,813 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
52
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 1940
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95227, Clements, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 272 (100%) |
| Owner Occupied HU | 182 (66.9%) |
| Renter Occupied HU | 72 (26.5%) |
| Vacant Housing Units | 18 ( 6.6%) |
| Median Home Value | $841,398 |
| Average Home Value | $901,813 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenny Grimes • KW Central Valley
Mls Name: MetroList Services of CA
Mls ID: #225113246