419 E Olive AveMercedCA95340
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow419 E Olive Ave, Merced, CA, 95340 in Merced earns its strong cash-flow label: 10.29% yield, $5,746/mo rent, $1,393/mo net income, DSCR 1.91. The $670,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $185,109 by year five. Combined with $6,171/yr in principal paydown, total projected return reaches $344,607.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $1,393 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,746 |
| Total Monthly Debt Service | $4,086 |
| DSCR Ratio | 1.41x |
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.
Condo
Built in 2022
6,121 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
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
Condo
Built in 2022
6,121 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95340, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,524 (100%) |
| Owner Occupied HU | 7,003 (51.8%) |
| Renter Occupied HU | 5,837 (43.2%) |
| Vacant Housing Units | 684 ( 5.1%) |
| Median Home Value | $432,803 |
| Average Home Value | $489,545 |
Housing Distribution
Address Breakdown
Residential
13,293
Single Family
12,487
Multi-Family
806
Businesses
1,049
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices