25779 Duncan DrEspartoCA95627
INVESTMENT ANALYSIS
Investment Verdict
Solid Income25779 Duncan Dr, Esparto, CA, 95627 in Esparto is a solid income-producing rental, 9.99% gross yield, $5,076/mo rent, $1,236/mo net cash flow on a $610,000 buy. DSCR 1.85 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $168,532 and $5,618/yr in principal reduction project a total cumulative return of $311,140.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.0% |
| Monthly Cash Flow | $1,236 | $1,500 |
City averages based on Esparto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,076 |
| Total Monthly Debt Service | $3,597 |
| DSCR Ratio | 1.41x |
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 2004
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95627, Esparto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,294 (100%) |
| Owner Occupied HU | 848 (65.5%) |
| Renter Occupied HU | 379 (29.3%) |
| Vacant Housing Units | 67 ( 5.2%) |
| Median Home Value | $492,000 |
| Average Home Value | $836,223 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
992
Multi-Family
55
Businesses
84
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 2004
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95627, Esparto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,294 (100%) |
| Owner Occupied HU | 848 (65.5%) |
| Renter Occupied HU | 379 (29.3%) |
| Vacant Housing Units | 67 ( 5.2%) |
| Median Home Value | $492,000 |
| Average Home Value | $836,223 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
992
Multi-Family
55
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices