2958 Dillon LnMercedCA95348
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2958 Dillon Ln, Merced, CA, 95348 in Merced is narrow, $36/mo net on $2,545/mo rent after the $1,641/mo debt service, but the property operates at break-even-plus, not a loss. At $365,000 with a 8.37% yield, the long-run equity case via 5% appreciation ($100,843 over five years) and $3,362/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.55 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $141,840.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $36 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,545 |
| Total Monthly Debt Service | $2,364 |
| DSCR Ratio | 1.08x |
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 2020
2,907 sqft lot
$N/A/sqft
$99 monthly 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 2020
2,907 sqft lot
$N/A/sqft
$99 monthly 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