4105 Tierra Lago DrModestoCA95356
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4105 Tierra Lago Dr, Modesto, CA, 95356 in Modesto speaks for itself: 11.82% gross on a $699,999 price, generating $6,893/mo in rent and $2,562/mo in net income after the $3,148/mo debt service. DSCR 2.19, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $30,750 stacks alongside $193,397 in projected five-year appreciation and $6,447/yr in principal reduction. Projected total cumulative return: $430,297.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.8% |
| Monthly Cash Flow | $2,562 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,893 |
| Total Monthly Debt Service | $4,052 |
| DSCR Ratio | 1.70x |
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 2000
7,366 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95356, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,484 (100%) |
| Owner Occupied HU | 7,947 (58.9%) |
| Renter Occupied HU | 5,073 (37.6%) |
| Vacant Housing Units | 464 ( 3.4%) |
| Median Home Value | $543,050 |
| Average Home Value | $611,001 |
Housing Distribution
Address Breakdown
Residential
12,633
Single Family
11,110
Multi-Family
1,523
Businesses
1,021
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 2000
7,366 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95356, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,484 (100%) |
| Owner Occupied HU | 7,947 (58.9%) |
| Renter Occupied HU | 5,073 (37.6%) |
| Vacant Housing Units | 464 ( 3.4%) |
| Median Home Value | $543,050 |
| Average Home Value | $611,001 |
Housing Distribution
Address Breakdown
Residential
12,633
Single Family
11,110
Multi-Family
1,523
Businesses
1,021
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices