3412 Kodiak DrModestoCA95355
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3412 Kodiak Dr, Modesto, CA, 95355 in Modesto at $518,888 earns $3,470/mo in rent and nets $153/mo after the $2,333/mo payment, a 8.03% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $143,359 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $4,779/yr in principal paydown, total projected return reaches $207,073.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $153 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,470 |
| Total Monthly Debt Service | $3,111 |
| DSCR Ratio | 1.12x |
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 2002
6,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
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 2002
6,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices