3701 Colonial Dr #139ModestoCA95356
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3701 Colonial Dr #139, Modesto, CA, 95356 in Modesto carries a 1.85 coverage ratio, rent of $1,846/mo is 1.85 times the $998/mo payment. Rental yield 9.98%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $222,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $61,335; total projected cumulative return: $83,267.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.8% |
| Monthly Cash Flow | $(50) | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,846 |
| Total Monthly Debt Service | $1,807 |
| DSCR Ratio | 1.02x |
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.
Condo
Built in 1980
N/A lot
$N/A/sqft
$493 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95356, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,484 (100%) |
| Owner Occupied HU | 7,947 (58.9%) |
| Renter Occupied HU | 5,073 (37.6%) |
| Vacant Housing Units | 464 ( 3.4%) |
| Median Home Value | $543,050 |
| Average Home Value | $611,001 |
Housing Distribution
Address Breakdown
Residential
12,633
Single Family
11,110
Multi-Family
1,523
Businesses
1,021
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
Condo
Built in 1980
N/A lot
$N/A/sqft
$493 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95356, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,484 (100%) |
| Owner Occupied HU | 7,947 (58.9%) |
| Renter Occupied HU | 5,073 (37.6%) |
| Vacant Housing Units | 464 ( 3.4%) |
| Median Home Value | $543,050 |
| Average Home Value | $611,001 |
Housing Distribution
Address Breakdown
Residential
12,633
Single Family
11,110
Multi-Family
1,523
Businesses
1,021
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diana Navarro • Intero Real Estate Services
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82011591
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-31 03:03:20 PDT. 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.