37 Acres Citrus RanchTerra BellaCA93270
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 37 Acres Citrus Ranch, Terra Bella, CA, 93270 in Terra Bella fits: $777,000, 3.71% gross yield, and a projected 5% annual appreciation rate adding $214,671 in value within five years. Rental yield 3.71%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.69) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,156/yr in principal paydown and $214,671 in appreciation project a total return of $139,767.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.0% |
| Monthly Cash Flow | $(2,407) | $400 |
City averages based on Terra Bella market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $4,498 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93270, Terra Bella, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,650 (100%) |
| Owner Occupied HU | 868 (52.6%) |
| Renter Occupied HU | 653 (39.6%) |
| Vacant Housing Units | 129 ( 7.8%) |
| Median Home Value | $337,572 |
| Average Home Value | $401,357 |
Housing Distribution
Address Breakdown
Residential
886
Single Family
886
Multi-Family
0
Businesses
103
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 N/A
37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93270, Terra Bella, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,650 (100%) |
| Owner Occupied HU | 868 (52.6%) |
| Renter Occupied HU | 653 (39.6%) |
| Vacant Housing Units | 129 ( 7.8%) |
| Median Home Value | $337,572 |
| Average Home Value | $401,357 |
Housing Distribution
Address Breakdown
Residential
886
Single Family
886
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Merari Bustos Leon • Century 21 Jordan-Link & Co.
Mls Name: TCMLS
Mls Provider:
Mls ID: #233334
Disclaimer: Based on information from the Tulare County Association of REALTORS as of 2025-02-12 09:20:38 PST. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.