3790 Thomas RdMirandaCA95553
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3790 Thomas Rd, Miranda, CA, 95553 in Miranda earns a 9.21% gross yield at $199,000. Rent of $1,527/mo nets $296/mo after the $895/mo mortgage. The 1.71 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $54,980 and $1,833/yr in equity accumulation project a total cumulative return of $94,482.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.0% |
| Monthly Cash Flow | $296 | $1,500 |
City averages based on Miranda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,527 |
| Total Monthly Debt Service | $1,152 |
| DSCR Ratio | 1.33x |
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 2020
75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95553, Miranda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 291 (100%) |
| Owner Occupied HU | 158 (54.3%) |
| Renter Occupied HU | 97 (33.3%) |
| Vacant Housing Units | 36 (12.4%) |
| Median Home Value | $610,759 |
| Average Home Value | $681,013 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
29
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 2020
75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95553, Miranda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 291 (100%) |
| Owner Occupied HU | 158 (54.3%) |
| Renter Occupied HU | 97 (33.3%) |
| Vacant Housing Units | 36 (12.4%) |
| Median Home Value | $610,759 |
| Average Home Value | $681,013 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marcus Schaible • Emerald Realty
Mls Name: HBMLS
Mls ID: #268838