3563 Century CirMercedCA95340
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 3563 Century Cir, Merced, CA, 95340 in Merced is a conservative rental investment at $367,300. Rental yield 7.22%. A 1.34 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $101,478; $3,383/yr in principal paydown supplements. Total projected return: $135,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $(62) | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,210 |
| Total Monthly Debt Service | $2,126 |
| DSCR Ratio | 1.04x |
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
3,494 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
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
3,494 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nancy Rogers • Tinetti Realty Group
Mls Name: CRMLS
Mls ID: #MC26029804