3924 Surfside DrModestoCA95355
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3924 Surfside Dr, Modesto, CA, 95355 in Modesto earns its strong cash-flow label: 30.07% yield, $2,506/mo rent, $1,887/mo net income, DSCR 5.57. The $100,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $27,628 by year five. Combined with $921/yr in principal paydown, total projected return reaches $159,353.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 30.1% | 5.8% |
| Monthly Cash Flow | $1,887 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,506 |
| Total Monthly Debt Service | $579 |
| DSCR Ratio | 4.33x |
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.
Manufactured
Built in 1974
N/A 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
Manufactured
Built in 1974
N/A 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