3101 River RdVernalisCA95385
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3101 River Rd, Vernalis, CA, 95385 in Vernalis. Rental yield 2.81%. At $1,149,999 with 2.81% gross yield, current distributions are modest, but the 5% appreciation rate projects $317,724 in new equity by year five, complemented by $10,592/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.52) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $151,502.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 7.0% |
| Monthly Cash Flow | $(4,422) | $1,200 |
City averages based on Vernalis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,692 |
| Total Monthly Debt Service | $6,657 |
| DSCR Ratio | 0.40x |
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 1910
2.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95385, Vernalis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 44 (58.7%) |
| Renter Occupied HU | 21 (28.0%) |
| Vacant Housing Units | 10 (13.3%) |
| Median Home Value | $636,364 |
| Average Home Value | $881,932 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
11
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 1910
2.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95385, Vernalis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 44 (58.7%) |
| Renter Occupied HU | 21 (28.0%) |
| Vacant Housing Units | 10 (13.3%) |
| Median Home Value | $636,364 |
| Average Home Value | $881,932 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amber Foster • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225087866