2480 Palora AveAtwaterCA95301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Atwater rental at 2480 Palora Ave, Atwater, CA, 95301 sits in the solid-income band: 8.25% gross yield, $3,085/mo rent, $308/mo net after the $2,019/mo debt service, DSCR 1.53. Entry price of $449,000 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 $124,050 and $4,135/yr in principal reduction bring total cumulative return to $190,076.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $308 | $300 |
City averages based on Atwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,085 |
| Total Monthly Debt Service | $2,599 |
| DSCR Ratio | 1.19x |
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
7,699 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
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
7,699 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimber Rogina • Keller Williams Property Team
Mls Name: CRMLS
Mls ID: #MC25276846