3939 Central Ave SPACE 35CeresCA95307
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3939 Central Ave SPACE 35, Ceres, CA, 95307 in Ceres is narrow, $169/mo net on $848/mo rent after the $494/mo debt service, but the property operates at break-even-plus, not a loss. At $109,777 with a 9.27% yield, the long-run equity case via 5% appreciation ($30,329 over five years) and $1,011/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.72 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $52,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $169 | $200 |
City averages based on Ceres market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $848 |
| Total Monthly Debt Service | $635 |
| DSCR Ratio | 1.33x |
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 1999
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
Manufactured
Built in 1999
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: Erik Katz • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls ID: #225060133