4320 W Cypress AveVisaliaCA93277
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4320 W Cypress Ave, Visalia, CA, 93277 in Visalia the bet is firmly on appreciation. Rental yield 2.74%. The 2.74% gross yield on a $647,100 price is below income-first thresholds, but 5%/yr value growth projects $178,782 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.51) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $80,503.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.5% |
| Monthly Cash Flow | $(2,566) | $320 |
City averages based on Visalia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,480 |
| Total Monthly Debt Service | $3,788 |
| DSCR Ratio | 0.39x |
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 1983
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93277, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,981 (100%) |
| Owner Occupied HU | 11,153 (55.8%) |
| Renter Occupied HU | 7,913 (39.6%) |
| Vacant Housing Units | 915 ( 4.6%) |
| Median Home Value | $350,637 |
| Average Home Value | $381,065 |
Housing Distribution
Address Breakdown
Residential
19,507
Single Family
18,413
Multi-Family
1,094
Businesses
1,352
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 1983
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93277, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,981 (100%) |
| Owner Occupied HU | 11,153 (55.8%) |
| Renter Occupied HU | 7,913 (39.6%) |
| Vacant Housing Units | 915 ( 4.6%) |
| Median Home Value | $350,637 |
| Average Home Value | $381,065 |
Housing Distribution
Address Breakdown
Residential
19,507
Single Family
18,413
Multi-Family
1,094
Businesses
1,352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A