2955 Capella DrMercedCA95341
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 2955 Capella Dr, Merced, CA, 95341 in Merced. Rental yield 6.94%. The 1.29 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $150,573 and $5,020/yr in principal reduction project total return of $192,416.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.0% |
| Monthly Cash Flow | $(221) | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,150 |
| Total Monthly Debt Service | $3,155 |
| DSCR Ratio | 1.00x |
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 2026
6,692 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95341, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,816 (100%) |
| Owner Occupied HU | 4,963 (45.9%) |
| Renter Occupied HU | 5,499 (50.8%) |
| Vacant Housing Units | 354 ( 3.3%) |
| Median Home Value | $351,522 |
| Average Home Value | $427,970 |
Housing Distribution
Address Breakdown
Residential
9,985
Single Family
9,715
Multi-Family
270
Businesses
736
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 2026
6,692 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95341, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,816 (100%) |
| Owner Occupied HU | 4,963 (45.9%) |
| Renter Occupied HU | 5,499 (50.8%) |
| Vacant Housing Units | 354 ( 3.3%) |
| Median Home Value | $351,522 |
| Average Home Value | $427,970 |
Housing Distribution
Address Breakdown
Residential
9,985
Single Family
9,715
Multi-Family
270
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nai Saetern • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #226006715