3584 Gateway PlMercedCA95340
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.02% yield at 3584 Gateway Pl, Merced, CA, 95340 in Merced is solid, but the $1,506/mo payment compresses net cash flow to $167/mo at $334,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $92,527 by year five, and $3,084/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.49) without U.S. income documentation. Total projected return: $137,752.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $167 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,239 |
| Total Monthly Debt Service | $1,939 |
| 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.
Townhouse
Built in 2004
3,306 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
Townhouse
Built in 2004
3,306 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: Andy Krotik • Keller Williams Property Team
Mls Name: CRMLS
Mls ID: #MC25190407