3939 Central AveCeresCA95307
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3939 Central Ave, Ceres, CA, 95307 in Ceres is listed at $150,000 and delivers $1,145/mo in rent and $208/mo in net monthly cash flow. The 9.09% yield and 1.70 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $41,442 over five years, and $1,382/yr in principal reduction supplements cash return. Total projected cumulative return: $70,916.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $208 | $200 |
City averages based on Ceres market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,145 |
| Total Monthly Debt Service | $868 |
| DSCR Ratio | 1.32x |
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 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95307, Ceres, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,374 (100%) |
| Owner Occupied HU | 8,221 (61.5%) |
| Renter Occupied HU | 4,863 (36.4%) |
| Vacant Housing Units | 290 ( 2.2%) |
| Median Home Value | $471,243 |
| Average Home Value | $519,886 |
Housing Distribution
Address Breakdown
Residential
13,247
Single Family
12,602
Multi-Family
645
Businesses
957
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 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95307, Ceres, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,374 (100%) |
| Owner Occupied HU | 8,221 (61.5%) |
| Renter Occupied HU | 4,863 (36.4%) |
| Vacant Housing Units | 290 ( 2.2%) |
| Median Home Value | $471,243 |
| Average Home Value | $519,886 |
Housing Distribution
Address Breakdown
Residential
13,247
Single Family
12,602
Multi-Family
645
Businesses
957
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jose Simon • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225063515
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