30663 E Edwards AveOakdaleCA95361
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 30663 E Edwards Ave, Oakdale, CA, 95361 in Oakdale the bet is firmly on appreciation. Rental yield 2.45%. The 2.45% gross yield on a $1,449,000 price is below income-first thresholds, but 5%/yr value growth projects $400,332 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.45) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $162,866.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.0% |
| Monthly Cash Flow | $(6,007) | $300 |
City averages based on Oakdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,957 |
| Total Monthly Debt Service | $8,387 |
| DSCR Ratio | 0.35x |
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 2004
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
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 2004
2.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jamie Hood • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #225107520