440 N 3rd StChowchillaCA93610
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Chowchilla rentals match the income profile of 440 N 3rd St, Chowchilla, CA, 93610. Listed at $399,000, gross rent is $3,542/mo and net cash flow is $1,074/mo, a 10.65% yield well above national averages. DSCR 1.97 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $110,236 by year five with $3,675/yr in annual principal reduction, projecting $220,409 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 7.0% |
| Monthly Cash Flow | $1,074 | $1,200 |
City averages based on Chowchilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,542 |
| Total Monthly Debt Service | $2,310 |
| DSCR Ratio | 1.53x |
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 1962
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93610, Chowchilla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,053 (100%) |
| Owner Occupied HU | 3,067 (50.7%) |
| Renter Occupied HU | 2,633 (43.5%) |
| Vacant Housing Units | 353 ( 5.8%) |
| Median Home Value | $387,859 |
| Average Home Value | $471,642 |
Housing Distribution
Address Breakdown
Residential
5,980
Single Family
5,831
Multi-Family
149
Businesses
507
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 1962
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93610, Chowchilla, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,053 (100%) |
| Owner Occupied HU | 3,067 (50.7%) |
| Renter Occupied HU | 2,633 (43.5%) |
| Vacant Housing Units | 353 ( 5.8%) |
| Median Home Value | $387,859 |
| Average Home Value | $471,642 |
Housing Distribution
Address Breakdown
Residential
5,980
Single Family
5,831
Multi-Family
149
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices