4578 Excelsior RdMatherCA95655
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 4578 Excelsior Rd, Mather, CA, 95655 in Mather at $516,500. Rental yield 7.13%. The 7.13% yield and 1.32 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $142,699 by year five, and $4,757/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $164,481.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.0% |
| Monthly Cash Flow | $(514) | $1,500 |
City averages based on Mather market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,070 |
| Total Monthly Debt Service | $3,378 |
| DSCR Ratio | 0.91x |
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.
Single Family
Built in 2001
5,662 sqft lot
$N/A/sqft
$106 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95655, Mather, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,783 (100%) |
| Owner Occupied HU | 1,209 (67.8%) |
| Renter Occupied HU | 389 (21.8%) |
| Vacant Housing Units | 185 (10.4%) |
| Median Home Value | $587,930 |
| Average Home Value | $600,333 |
Housing Distribution
Address Breakdown
Residential
1,632
Single Family
1,632
Multi-Family
0
Businesses
80
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 2001
5,662 sqft lot
$N/A/sqft
$106 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95655, Mather, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,783 (100%) |
| Owner Occupied HU | 1,209 (67.8%) |
| Renter Occupied HU | 389 (21.8%) |
| Vacant Housing Units | 185 (10.4%) |
| Median Home Value | $587,930 |
| Average Home Value | $600,333 |
Housing Distribution
Address Breakdown
Residential
1,632
Single Family
1,632
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steve Lamothe • Keller Williams Realty
Mls Name: MetroList Services of CA
Mls ID: #225093967