40438 Live Oak DrOakhurstCA93644
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 40438 Live Oak Dr, Oakhurst, CA, 93644 in Oakhurst is listed at $315,000 and delivers $2,316/mo in rent and $367/mo in net monthly cash flow. The 8.82% yield and 1.64 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 $87,029 over five years, and $2,901/yr in principal reduction supplements cash return. Total projected cumulative return: $143,158.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 7.0% |
| Monthly Cash Flow | $367 | $1,200 |
City averages based on Oakhurst market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,316 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 1.27x |
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 1958
0.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93644, Oakhurst, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,276 (100%) |
| Owner Occupied HU | 2,525 (59.1%) |
| Renter Occupied HU | 851 (19.9%) |
| Vacant Housing Units | 900 (21.0%) |
| Median Home Value | $469,363 |
| Average Home Value | $589,105 |
Housing Distribution
Address Breakdown
Residential
3,624
Single Family
3,362
Multi-Family
262
Businesses
764
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 1958
0.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93644, Oakhurst, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,276 (100%) |
| Owner Occupied HU | 2,525 (59.1%) |
| Renter Occupied HU | 851 (19.9%) |
| Vacant Housing Units | 900 (21.0%) |
| Median Home Value | $469,363 |
| Average Home Value | $589,105 |
Housing Distribution
Address Breakdown
Residential
3,624
Single Family
3,362
Multi-Family
262
Businesses
764
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristin Bateman • London Properties, Ltd.
Mls Name: Fresno MLS
Mls ID: #626566