264 W Mercury CirGustineCA95322
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 264 W Mercury Cir, Gustine, CA, 95322 in Gustine earns a 9.52% gross yield at $127,500. Rent of $1,012/mo nets $223/mo after the $573/mo mortgage. The 1.77 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $35,226 and $1,174/yr in equity accumulation project a total cumulative return of $62,760.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $223 | $1,500 |
City averages based on Gustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,012 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 1.37x |
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.
Manufactured
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95322, Gustine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,475 (100%) |
| Owner Occupied HU | 1,956 (56.3%) |
| Renter Occupied HU | 1,344 (38.7%) |
| Vacant Housing Units | 175 ( 5.0%) |
| Median Home Value | $465,821 |
| Average Home Value | $562,891 |
Housing Distribution
Address Breakdown
Residential
3,333
Single Family
3,244
Multi-Family
89
Businesses
220
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
Manufactured
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95322, Gustine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,475 (100%) |
| Owner Occupied HU | 1,956 (56.3%) |
| Renter Occupied HU | 1,344 (38.7%) |
| Vacant Housing Units | 175 ( 5.0%) |
| Median Home Value | $465,821 |
| Average Home Value | $562,891 |
Housing Distribution
Address Breakdown
Residential
3,333
Single Family
3,244
Multi-Family
89
Businesses
220
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eblin Umana • Intero Real Estate Services
Mls Name: MetroList Services of CA
Mls ID: #225142432