25045 N McIntire RdClementsCA95227
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 25045 N McIntire Rd, Clements, CA, 95227 in Clements fits: $1,175,000, 3% gross yield, and a projected 5% annual appreciation rate adding $324,631 in value within five years. Rental yield 3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.56) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,822/yr in principal paydown and $324,631 in appreciation project a total return of $166,827.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(4,331) | $1,500 |
City averages based on Clements market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,938 |
| Total Monthly Debt Service | $6,801 |
| DSCR Ratio | 0.43x |
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 N/A
N/A 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 N/A
N/A 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: Bruce Renfrew • California Outdoor Properties
Mls Name: My State MLS
Mls ID: #11555577