2820 Stone TerModestoCA95355
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2820 Stone Ter, Modesto, CA, 95355 in Modesto. At $424,000 it earns $3,102/mo in rent and distributes $346/mo to the owner after the $1,907/mo payment, a consistent 8.78% yield. DSCR 1.63 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $117,143 in value; $3,905/yr in principal paydown compounds ownership stake. Total projected return: $183,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.8% |
| Monthly Cash Flow | $346 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,102 |
| Total Monthly Debt Service | $2,587 |
| DSCR Ratio | 1.20x |
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 1989
3,214 sqft lot
$N/A/sqft
$133 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
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 1989
3,214 sqft lot
$N/A/sqft
$133 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alex Urbano Tafoya • First Valley Real Estate Company
Mls Name: MetroList Services of CA
Mls ID: #225072321