328 Sunburst StLos BanosCA93635
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 328 Sunburst St, Los Banos, CA, 93635 in Los Banos is narrow, $87/mo net on $2,658/mo rent after the $1,821/mo debt service, but the property operates at break-even-plus, not a loss. At $405,000 with a 7.88% yield, the long-run equity case via 5% appreciation ($111,894 over five years) and $3,730/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.46 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $159,487.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $87 | $150 |
City averages based on Los Banos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,658 |
| Total Monthly Debt Service | $2,410 |
| DSCR Ratio | 1.10x |
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 2015
7,139 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93635, Los Banos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,527 (100%) |
| Owner Occupied HU | 9,325 (60.1%) |
| Renter Occupied HU | 5,581 (35.9%) |
| Vacant Housing Units | 621 ( 4.0%) |
| Median Home Value | $433,586 |
| Average Home Value | $484,654 |
Housing Distribution
Address Breakdown
Residential
15,020
Single Family
14,691
Multi-Family
329
Businesses
1,012
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 2015
7,139 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93635, Los Banos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,527 (100%) |
| Owner Occupied HU | 9,325 (60.1%) |
| Renter Occupied HU | 5,581 (35.9%) |
| Vacant Housing Units | 621 ( 4.0%) |
| Median Home Value | $433,586 |
| Average Home Value | $484,654 |
Housing Distribution
Address Breakdown
Residential
15,020
Single Family
14,691
Multi-Family
329
Businesses
1,012
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jared English • Jared English, Broker
Mls Name: MetroList Services of CA
Mls ID: #225094183