4603 Irma Dr, Merced, CA, 95348 | $616/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Merced at 4603 Irma Dr, Merced, CA, 95348 priced at $523,768 converts $3,857/mo rent into $616/mo cash flow after a $2,564/mo obligation. Total monthly income equals $3,857/mo, and annual cash flow totals $7,398/yr on $172,320 invested. Return on cash invested prints 24.35% in year one, and rental yield reads 8.84% against a $523,768 entry. Equity gained on principal adds $3,380/yr, while 5% annual appreciation compiles into $144,707 by year five. Five-year ROI reaches 126.65% and total cumulative return in cash sums $218,238. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $3,857/mo property income covering a $2,564/mo payment, not borrower’s personal income.

Single Family

Built in 2023

6,503 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 95348, Merced, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	13,340 (100%)
Owner Occupied HU	5,789 (43.4%)
Renter Occupied HU	6,650 (49.9%)
Vacant Housing Units	901 ( 6.8%)
Median Home Value	$400,787
Average Home Value	$436,785