3616 W Paloma StRiverdaleCA93656
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3616 W Paloma St, Riverdale, CA, 93656 in Riverdale is listed at $329,000 and delivers $2,254/mo in rent and $218/mo in net monthly cash flow. The 8.22% yield and 1.52 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $90,897 over five years, and $3,030/yr in principal reduction supplements cash return. Total projected cumulative return: $138,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $218 | $1,200 |
City averages based on Riverdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,254 |
| Total Monthly Debt Service | $1,904 |
| DSCR Ratio | 1.18x |
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 1940
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93656, Riverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,907 (100%) |
| Owner Occupied HU | 997 (52.3%) |
| Renter Occupied HU | 818 (42.9%) |
| Vacant Housing Units | 92 ( 4.8%) |
| Median Home Value | $284,428 |
| Average Home Value | $362,094 |
Housing Distribution
Address Breakdown
Residential
1,593
Single Family
1,542
Multi-Family
51
Businesses
114
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 1940
10,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93656, Riverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,907 (100%) |
| Owner Occupied HU | 997 (52.3%) |
| Renter Occupied HU | 818 (42.9%) |
| Vacant Housing Units | 92 ( 4.8%) |
| Median Home Value | $284,428 |
| Average Home Value | $362,094 |
Housing Distribution
Address Breakdown
Residential
1,593
Single Family
1,542
Multi-Family
51
Businesses
114
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices