2721 Villa Ramon DrCeresCA95307
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2721 Villa Ramon Dr, Ceres, CA, 95307 in Ceres fits: $475,000, 5.78% gross yield, and a projected 5% annual appreciation rate adding $131,234 in value within five years. Rental yield 5.78%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.07) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,375/yr in principal paydown and $131,234 in appreciation project a total return of $138,206.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.5% |
| Monthly Cash Flow | $(651) | $200 |
City averages based on Ceres market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,287 |
| Total Monthly Debt Service | $2,749 |
| DSCR Ratio | 0.83x |
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 1975
6,242 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95307, Ceres, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,374 (100%) |
| Owner Occupied HU | 8,221 (61.5%) |
| Renter Occupied HU | 4,863 (36.4%) |
| Vacant Housing Units | 290 ( 2.2%) |
| Median Home Value | $471,243 |
| Average Home Value | $519,886 |
Housing Distribution
Address Breakdown
Residential
13,247
Single Family
12,602
Multi-Family
645
Businesses
957
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 1975
6,242 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95307, Ceres, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,374 (100%) |
| Owner Occupied HU | 8,221 (61.5%) |
| Renter Occupied HU | 4,863 (36.4%) |
| Vacant Housing Units | 290 ( 2.2%) |
| Median Home Value | $471,243 |
| Average Home Value | $519,886 |
Housing Distribution
Address Breakdown
Residential
13,247
Single Family
12,602
Multi-Family
645
Businesses
957
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Salvador Plancarte • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #226005932