3905 Dale Rd APT AModestoCA95356
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.53 makes 3905 Dale Rd APT A, Modesto, CA, 95356 in Modesto one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.28%. The 8.28% yield, 5% annual appreciation ($85,620 over five years), and $2,854/yr in principal reduction project a total cumulative return of $112,071.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $(106) | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,137 |
| Total Monthly Debt Service | $2,120 |
| DSCR Ratio | 1.01x |
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 1987
1,002 sqft lot
$N/A/sqft
$326 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 1987
1,002 sqft lot
$N/A/sqft
$326 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: Rich Vande Pol • Vande Pol Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225040505
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