27848 Ellis StMaderaCA93638
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 27848 Ellis St, Madera, CA, 93638 in Madera at $425,000 earns $2,694/mo in rent and nets $65/mo after the $2,015/mo payment, a 7.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $117,420 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $3,563/yr in principal paydown, total projected return reaches $157,357.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.5% |
| Monthly Cash Flow | $65 | $2,100 |
City averages based on Madera market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,694 |
| Total Monthly Debt Service | $2,564 |
| DSCR Ratio | 1.05x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
2.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93638, Madera, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,021 (100%) |
| Owner Occupied HU | 7,020 (53.9%) |
| Renter Occupied HU | 5,473 (42.0%) |
| Vacant Housing Units | 528 ( 4.1%) |
| Median Home Value | $356,944 |
| Average Home Value | $413,680 |
Housing Distribution
Address Breakdown
Residential
12,884
Single Family
12,190
Multi-Family
694
Businesses
622
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Fresno MLS
Mls ID: #654876
