40284 Ralph RoadCutlerCA93615
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.97% yield at 40284 Ralph Road, Cutler, CA, 93615 in Cutler is solid, but the $1,259/mo payment compresses net cash flow to $127/mo at $279,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $77,331 by year five, and $2,578/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.48) without U.S. income documentation. Total projected return: $114,328.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $127 | $300 |
City averages based on Cutler market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,859 |
| Total Monthly Debt Service | $1,620 |
| DSCR Ratio | 1.15x |
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 1956
9,300 sqft 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 1956
9,300 sqft 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: Edward Escobar • Bloom Group, Inc.
Mls Name: TCMLS
Mls ID: #239829