3720 Densmore LnModestoCA95355
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3720 Densmore Ln, Modesto, CA, 95355 in Modesto speaks for itself: 10.12% gross on a $619,900 price, generating $5,226/mo in rent and $1,344/mo in net income after the $2,787/mo debt service. DSCR 1.88, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,130 stacks alongside $171,267 in projected five-year appreciation and $5,709/yr in principal reduction. Projected total cumulative return: $321,807.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.8% |
| Monthly Cash Flow | $1,344 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,226 |
| Total Monthly Debt Service | $3,635 |
| DSCR Ratio | 1.44x |
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 2000
6,007 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
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 2000
6,007 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices