3137 E Townsend Ave APT 101-102FresnoCA93702
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3137 E Townsend Ave APT 101-102, Fresno, CA, 93702 in Fresno at $425,000, 2.48% gross yield, is a market-growth asset. Rental yield 2.48%. The $900/mo rent partially funds the $1,911/mo debt service; the core return is the 5%/yr price growth projected to add $117,420 over five years. Ziffy Mortgage's DSCR mortgage (0.47) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $49,931.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.1% |
| Monthly Cash Flow | $(1,791) | $420 |
City averages based on Fresno market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $900 |
| Total Monthly Debt Service | $2,460 |
| DSCR Ratio | 0.37x |
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.
Multi Family
Built in 1960
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93702, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,030 (100%) |
| Owner Occupied HU | 4,499 (37.4%) |
| Renter Occupied HU | 7,090 (58.9%) |
| Vacant Housing Units | 441 ( 3.7%) |
| Median Home Value | $224,309 |
| Average Home Value | $293,419 |
Housing Distribution
Address Breakdown
Residential
12,337
Single Family
11,340
Multi-Family
997
Businesses
786
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
Multi Family
Built in 1960
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93702, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,030 (100%) |
| Owner Occupied HU | 4,499 (37.4%) |
| Renter Occupied HU | 7,090 (58.9%) |
| Vacant Housing Units | 441 ( 3.7%) |
| Median Home Value | $224,309 |
| Average Home Value | $293,419 |
Housing Distribution
Address Breakdown
Residential
12,337
Single Family
11,340
Multi-Family
997
Businesses
786
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jose Briseno • California Realty
Mls Name: BHHS broker feed
Mls ID: #236171