2921 N Big Sandy CtMercedCA95348
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2921 N Big Sandy Ct, Merced, CA, 95348 in Merced at $417,000 earns $2,725/mo in rent and nets $116/mo after the $1,875/mo payment, a 7.84% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $115,209 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $3,841/yr in principal paydown, total projected return reaches $165,696.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $116 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,725 |
| Total Monthly Debt Service | $2,444 |
| DSCR Ratio | 1.12x |
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 2016
5,549 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95348, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,340 (100%) |
| Owner Occupied HU | 5,789 (43.4%) |
| Renter Occupied HU | 6,650 (49.9%) |
| Vacant Housing Units | 901 ( 6.8%) |
| Median Home Value | $400,787 |
| Average Home Value | $436,785 |
Housing Distribution
Address Breakdown
Residential
13,007
Single Family
11,285
Multi-Family
1,722
Businesses
534
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 2016
5,549 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95348, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,340 (100%) |
| Owner Occupied HU | 5,789 (43.4%) |
| Renter Occupied HU | 6,650 (49.9%) |
| Vacant Housing Units | 901 ( 6.8%) |
| Median Home Value | $400,787 |
| Average Home Value | $436,785 |
Housing Distribution
Address Breakdown
Residential
13,007
Single Family
11,285
Multi-Family
1,722
Businesses
534
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joseph Garcia • ROA California Inc. dba Realty of America
Mls Name: MetroList Services of CA
Mls ID: #225061807