3350 M StMercedCA95348
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 3350 M St, Merced, CA, 95348 in Merced, $295,300, 8.04% gross yield, $151/mo net income. Consider it a market-entry position, the $1,978/mo rent covers the $1,328/mo payment with a margin, and 5%/yr appreciation is projected to add $81,586 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.49) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $121,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $151 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,978 |
| Total Monthly Debt Service | $1,709 |
| DSCR Ratio | 1.16x |
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.
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95348, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,340 (100%) |
| Owner Occupied HU | 5,789 (43.4%) |
| Renter Occupied HU | 6,650 (49.9%) |
| Vacant Housing Units | 901 ( 6.8%) |
| Median Home Value | $400,787 |
| Average Home Value | $436,785 |
Housing Distribution
Address Breakdown
Residential
13,007
Single Family
11,285
Multi-Family
1,722
Businesses
534
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
Apartment
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95348, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,340 (100%) |
| Owner Occupied HU | 5,789 (43.4%) |
| Renter Occupied HU | 6,650 (49.9%) |
| Vacant Housing Units | 901 ( 6.8%) |
| Median Home Value | $400,787 |
| Average Home Value | $436,785 |
Housing Distribution
Address Breakdown
Residential
13,007
Single Family
11,285
Multi-Family
1,722
Businesses
534
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Zillow Rentals
Mls ID: #N/A