460-760 Wray RdJanesvilleCA96114
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 460-760 Wray Rd, Janesville, CA, 96114 in Janesville hard to pass up. The 16.08% gross yield on a $109,000 purchase results in $1,460/mo in rent and $769/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.98). Annual cash flow of $9,228, five-year appreciation of $30,115, and $1,004/yr in equity build-up combine for a projected total cumulative return of $90,921.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 5.5% |
| Monthly Cash Flow | $769 | $300 |
City averages based on Janesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,460 |
| Total Monthly Debt Service | $648 |
| DSCR Ratio | 2.25x |
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.
Lot
Built in N/A
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96114, Janesville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,419 (100%) |
| Owner Occupied HU | 1,032 (72.7%) |
| Renter Occupied HU | 195 (13.7%) |
| Vacant Housing Units | 192 (13.5%) |
| Median Home Value | $373,160 |
| Average Home Value | $399,889 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
36
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
Lot
Built in N/A
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 96114, Janesville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,419 (100%) |
| Owner Occupied HU | 1,032 (72.7%) |
| Renter Occupied HU | 195 (13.7%) |
| Vacant Housing Units | 192 (13.5%) |
| Median Home Value | $373,160 |
| Average Home Value | $399,889 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices