4320 Panorama AveTurlockCA95382
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4320 Panorama Ave, Turlock, CA, 95382 in Turlock at $560,000 earns $3,587/mo in rent and nets $123/mo after the $2,518/mo payment, a 7.69% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $154,718 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $5,158/yr in principal paydown, total projected return reaches $220,249.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $123 | $1,200 |
City averages based on Turlock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,587 |
| Total Monthly Debt Service | $3,241 |
| DSCR Ratio | 1.11x |
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 2004
4,778 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95382, Turlock, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,015 (100%) |
| Owner Occupied HU | 8,290 (59.2%) |
| Renter Occupied HU | 5,241 (37.4%) |
| Vacant Housing Units | 484 ( 3.5%) |
| Median Home Value | $524,213 |
| Average Home Value | $557,628 |
Housing Distribution
Address Breakdown
Residential
13,664
Single Family
11,737
Multi-Family
1,927
Businesses
468
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 2004
4,778 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95382, Turlock, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,015 (100%) |
| Owner Occupied HU | 8,290 (59.2%) |
| Renter Occupied HU | 5,241 (37.4%) |
| Vacant Housing Units | 484 ( 3.5%) |
| Median Home Value | $524,213 |
| Average Home Value | $557,628 |
Housing Distribution
Address Breakdown
Residential
13,664
Single Family
11,737
Multi-Family
1,927
Businesses
468
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Clarence Oliveira • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225047489