338 Cottage AveMantecaCA95336
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 338 Cottage Ave, Manteca, CA, 95336 in Manteca: $3,076/mo in rent, $273/mo in net income, 8.15% gross yield, 1.51 DSCR, all at $453,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $125,156 in appreciation and $4,172/yr in principal paydown projects total cumulative return of $189,373.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.5% |
| Monthly Cash Flow | $273 | $200 |
City averages based on Manteca market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,076 |
| Total Monthly Debt Service | $2,622 |
| DSCR Ratio | 1.17x |
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 1965
6,298 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95336, Manteca, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,169 (100%) |
| Owner Occupied HU | 11,028 (64.2%) |
| Renter Occupied HU | 5,483 (31.9%) |
| Vacant Housing Units | 658 ( 3.8%) |
| Median Home Value | $579,890 |
| Average Home Value | $595,678 |
Housing Distribution
Address Breakdown
Residential
16,886
Single Family
15,121
Multi-Family
1,765
Businesses
1,283
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 1965
6,298 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95336, Manteca, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,169 (100%) |
| Owner Occupied HU | 11,028 (64.2%) |
| Renter Occupied HU | 5,483 (31.9%) |
| Vacant Housing Units | 658 ( 3.8%) |
| Median Home Value | $579,890 |
| Average Home Value | $595,678 |
Housing Distribution
Address Breakdown
Residential
16,886
Single Family
15,121
Multi-Family
1,765
Businesses
1,283
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nancy Hopper • Berkshire Hathaway HomeServices-Drysdale Properties
Mls Name: MetroList Services of CA
Mls ID: #225098519