416 Trinity AveChowchillaCA93610
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 416 Trinity Ave, Chowchilla, CA, 93610 in Chowchilla fits: $620,000, 3.31% gross yield, and a projected 5% annual appreciation rate adding $171,295 in value within five years. Rental yield 3.31%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.61) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,710/yr in principal paydown and $171,295 in appreciation project a total return of $98,412.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 7.0% |
| Monthly Cash Flow | $(2,124) | $1,200 |
City averages based on Chowchilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,711 |
| Total Monthly Debt Service | $3,589 |
| DSCR Ratio | 0.48x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1979
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93610, Chowchilla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,053 (100%) |
| Owner Occupied HU | 3,067 (50.7%) |
| Renter Occupied HU | 2,633 (43.5%) |
| Vacant Housing Units | 353 ( 5.8%) |
| Median Home Value | $387,859 |
| Average Home Value | $471,642 |
Housing Distribution
Address Breakdown
Residential
5,980
Single Family
5,831
Multi-Family
149
Businesses
507
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
Multi Family
Built in 1979
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93610, Chowchilla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,053 (100%) |
| Owner Occupied HU | 3,067 (50.7%) |
| Renter Occupied HU | 2,633 (43.5%) |
| Vacant Housing Units | 353 ( 5.8%) |
| Median Home Value | $387,859 |
| Average Home Value | $471,642 |
Housing Distribution
Address Breakdown
Residential
5,980
Single Family
5,831
Multi-Family
149
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric VanDenk • Central Valley Property Adviso
Mls Name: Bakersfield AOR
Mls ID: #202509169