38838 Rd 140CutlerCA93615
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play38838 Rd 140, Cutler, CA, 93615 in Cutler is priced for appreciation, not yield. Rental yield 2.68%. At $750,000 with a 2.68% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $207,211 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.50) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $93,604.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.0% |
| Monthly Cash Flow | $(2,966) | $300 |
City averages based on Cutler market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,674 |
| Total Monthly Debt Service | $4,341 |
| DSCR Ratio | 0.39x |
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 1977
6.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93615, Cutler, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,440 (100%) |
| Owner Occupied HU | 586 (40.7%) |
| Renter Occupied HU | 790 (54.9%) |
| Vacant Housing Units | 64 ( 4.4%) |
| Median Home Value | $226,875 |
| Average Home Value | $285,606 |
Housing Distribution
Address Breakdown
Residential
1,306
Single Family
1,306
Multi-Family
0
Businesses
61
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 1977
6.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93615, Cutler, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,440 (100%) |
| Owner Occupied HU | 586 (40.7%) |
| Renter Occupied HU | 790 (54.9%) |
| Vacant Housing Units | 64 ( 4.4%) |
| Median Home Value | $226,875 |
| Average Home Value | $285,606 |
Housing Distribution
Address Breakdown
Residential
1,306
Single Family
1,306
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: TCMLS
Mls ID: #243204