4305 Copper Cliff LnModestoCA95355
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 4305 Copper Cliff Ln, Modesto, CA, 95355 in Modesto. Rental yield 7.1%. The 1.32 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $145,048 and $4,835/yr in principal reduction project total return of $177,688.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.8% |
| Monthly Cash Flow | $(346) | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,107 |
| Total Monthly Debt Service | $3,244 |
| DSCR Ratio | 0.96x |
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.
Single Family
Built in 1994
5,410 sqft lot
$N/A/sqft
$205 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
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 1994
5,410 sqft lot
$N/A/sqft
$205 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95355, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,443 (100%) |
| Owner Occupied HU | 13,280 (59.2%) |
| Renter Occupied HU | 8,595 (38.3%) |
| Vacant Housing Units | 568 ( 2.5%) |
| Median Home Value | $486,473 |
| Average Home Value | $529,781 |
Housing Distribution
Address Breakdown
Residential
22,688
Single Family
19,303
Multi-Family
3,385
Businesses
825
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices