3815 W Jerome AvenueVisaliaCA93291
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Visalia rentals match the income profile of 3815 W Jerome Avenue, Visalia, CA, 93291. Listed at $440,000, gross rent is $4,123/mo and net cash flow is $1,301/mo, a 11.25% yield well above national averages. DSCR 2.08 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $121,564 by year five with $4,052/yr in annual principal reduction, projecting $250,973 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.5% |
| Monthly Cash Flow | $1,301 | $320 |
City averages based on Visalia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,123 |
| Total Monthly Debt Service | $2,647 |
| DSCR Ratio | 1.56x |
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 2015
3,484 sqft lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93291, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,411 (100%) |
| Owner Occupied HU | 13,215 (61.7%) |
| Renter Occupied HU | 7,270 (34.0%) |
| Vacant Housing Units | 926 ( 4.3%) |
| Median Home Value | $408,484 |
| Average Home Value | $451,368 |
Housing Distribution
Address Breakdown
Residential
20,832
Single Family
20,057
Multi-Family
775
Businesses
1,752
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 2015
3,484 sqft lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93291, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,411 (100%) |
| Owner Occupied HU | 13,215 (61.7%) |
| Renter Occupied HU | 7,270 (34.0%) |
| Vacant Housing Units | 926 ( 4.3%) |
| Median Home Value | $408,484 |
| Average Home Value | $451,368 |
Housing Distribution
Address Breakdown
Residential
20,832
Single Family
20,057
Multi-Family
775
Businesses
1,752
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices