441 Stei NVernalisCA95385
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder441 Stei N, Vernalis, CA, 95385 in Vernalis is a stable, well-positioned rental at $484,000. Rental yield 7.09%. DSCR 1.31 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $133,720 in value and $4,458/yr in principal paydown builds equity, a total projected return of $174,917.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 7.0% |
| Monthly Cash Flow | $(134) | $1,200 |
City averages based on Vernalis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,860 |
| Total Monthly Debt Service | $2,802 |
| DSCR Ratio | 1.02x |
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 2022
4,586 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95385, Vernalis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 44 (58.7%) |
| Renter Occupied HU | 21 (28.0%) |
| Vacant Housing Units | 10 (13.3%) |
| Median Home Value | $636,364 |
| Average Home Value | $881,932 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
11
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 2022
4,586 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95385, Vernalis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 75 (100%) |
| Owner Occupied HU | 44 (58.7%) |
| Renter Occupied HU | 21 (28.0%) |
| Vacant Housing Units | 10 (13.3%) |
| Median Home Value | $636,364 |
| Average Home Value | $881,932 |
Housing Distribution
Address Breakdown
Residential
90
Single Family
90
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Travis Azevedo • A 2 Z Homes, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225092741