2554 Merced StSnellingCA95369
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Snelling rental at 2554 Merced St, Snelling, CA, 95369 sits in the solid-income band: 8.32% gross yield, $2,218/mo rent, $238/mo net after the $1,394/mo debt service, DSCR 1.59. Entry price of $310,000 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 $85,647 and $2,855/yr in principal reduction bring total cumulative return to $136,884.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $238 | $300 |
City averages based on Snelling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,218 |
| Total Monthly Debt Service | $1,794 |
| 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 1987
5,368 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95369, Snelling, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 454 (100%) |
| Owner Occupied HU | 218 (48.0%) |
| Renter Occupied HU | 164 (36.1%) |
| Vacant Housing Units | 72 (15.9%) |
| Median Home Value | $581,019 |
| Average Home Value | $612,718 |
Housing Distribution
Address Breakdown
Residential
207
Single Family
207
Multi-Family
0
Businesses
28
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 1987
5,368 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95369, Snelling, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 454 (100%) |
| Owner Occupied HU | 218 (48.0%) |
| Renter Occupied HU | 164 (36.1%) |
| Vacant Housing Units | 72 (15.9%) |
| Median Home Value | $581,019 |
| Average Home Value | $612,718 |
Housing Distribution
Address Breakdown
Residential
207
Single Family
207
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Max Madayag • Keller Williams Property Team
Mls Name: CRMLS
Mls ID: #MC25104001