3217 W Whitendale AveVisaliaCA93277
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3217 W Whitendale Ave, Visalia, CA, 93277 in Visalia: $2,772/mo in rent, $393/mo in net income, 8.65% gross yield, 1.60 DSCR, all at $384,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $106,230 in appreciation and $3,541/yr in principal paydown projects total cumulative return of $171,128.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.5% |
| Monthly Cash Flow | $393 | $320 |
City averages based on Visalia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,772 |
| Total Monthly Debt Service | $2,226 |
| DSCR Ratio | 1.25x |
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 1976
7,701 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93277, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,981 (100%) |
| Owner Occupied HU | 11,153 (55.8%) |
| Renter Occupied HU | 7,913 (39.6%) |
| Vacant Housing Units | 915 ( 4.6%) |
| Median Home Value | $350,637 |
| Average Home Value | $381,065 |
Housing Distribution
Address Breakdown
Residential
19,507
Single Family
18,413
Multi-Family
1,094
Businesses
1,352
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 1976
7,701 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93277, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,981 (100%) |
| Owner Occupied HU | 11,153 (55.8%) |
| Renter Occupied HU | 7,913 (39.6%) |
| Vacant Housing Units | 915 ( 4.6%) |
| Median Home Value | $350,637 |
| Average Home Value | $381,065 |
Housing Distribution
Address Breakdown
Residential
19,507
Single Family
18,413
Multi-Family
1,094
Businesses
1,352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bakersfield AOR
Mls ID: #202602665