4308 Savoie CtModestoCA95356
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4308 Savoie Ct, Modesto, CA, 95356 in Modesto is a solid income-producing rental, 9.64% gross yield, $7,231/mo rent, $1,426/mo net cash flow on a $899,999 buy. DSCR 1.79 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $248,653 and $8,289/yr in principal reduction project a total cumulative return of $434,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.8% |
| Monthly Cash Flow | $1,426 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,231 |
| Total Monthly Debt Service | $5,447 |
| DSCR Ratio | 1.33x |
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 2003
6,965 sqft lot
$N/A/sqft
$118 monthly 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 2003
6,965 sqft lot
$N/A/sqft
$118 monthly 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