23455 Thomes AveGerberCA96035
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Gerber rental at 23455 Thomes Ave, Gerber, CA, 96035 sits in the solid-income band: 8.72% gross yield, $1,999/mo rent, $298/mo net after the $1,237/mo debt service, DSCR 1.62. Entry price of $275,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $75,977 and $2,533/yr in principal reduction bring total cumulative return to $123,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $298 | $1,500 |
City averages based on Gerber market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,999 |
| Total Monthly Debt Service | $1,592 |
| DSCR Ratio | 1.26x |
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 1985
15.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96035, Gerber, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,476 (100%) |
| Owner Occupied HU | 895 (60.6%) |
| Renter Occupied HU | 433 (29.3%) |
| Vacant Housing Units | 148 (10.0%) |
| Median Home Value | $460,303 |
| Average Home Value | $473,263 |
Housing Distribution
Address Breakdown
Residential
1,100
Single Family
1,100
Multi-Family
0
Businesses
36
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 1985
15.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96035, Gerber, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,476 (100%) |
| Owner Occupied HU | 895 (60.6%) |
| Renter Occupied HU | 433 (29.3%) |
| Vacant Housing Units | 148 (10.0%) |
| Median Home Value | $460,303 |
| Average Home Value | $473,263 |
Housing Distribution
Address Breakdown
Residential
1,100
Single Family
1,100
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Travis Azevedo • A 2 Z Homes, Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225053542
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