35777 Road 606RaymondCA93653
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Raymond rental at 35777 Road 606, Raymond, CA, 93653 sits in the solid-income band: 8.75% gross yield, $3,060/mo rent, $465/mo net after the $1,886/mo debt service, DSCR 1.62. Entry price of $419,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $115,900 and $3,864/yr in principal reduction bring total cumulative return to $189,041.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.2% |
| Monthly Cash Flow | $465 | $1,200 |
City averages based on Raymond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,060 |
| Total Monthly Debt Service | $2,428 |
| DSCR Ratio | 1.26x |
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 2006
2.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93653, Raymond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 356 (66.3%) |
| Renter Occupied HU | 84 (15.6%) |
| Vacant Housing Units | 97 (18.1%) |
| Median Home Value | $537,770 |
| Average Home Value | $699,895 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
16
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 2006
2.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93653, Raymond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 356 (66.3%) |
| Renter Occupied HU | 84 (15.6%) |
| Vacant Housing Units | 97 (18.1%) |
| Median Home Value | $537,770 |
| Average Home Value | $699,895 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rick Jackson • Century 21 Select Real Estate
Mls Name: Fresno MLS
Mls ID: #634495