4621 Swanson RdDenairCA95316
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4621 Swanson Rd, Denair, CA, 95316 in Denair fits: $1,199,000, 2.05% gross yield, and a projected 5% annual appreciation rate adding $331,262 in value within five years. Rental yield 2.05%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.38) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,043/yr in principal paydown and $331,262 in appreciation project a total return of $109,296.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 6.0% |
| Monthly Cash Flow | $(5,368) | $500 |
City averages based on Denair market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,050 |
| Total Monthly Debt Service | $6,940 |
| DSCR Ratio | 0.30x |
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.
Multi Family
Built in 1940
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95316, Denair, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,504 (100%) |
| Owner Occupied HU | 1,843 (73.6%) |
| Renter Occupied HU | 582 (23.2%) |
| Vacant Housing Units | 79 ( 3.2%) |
| Median Home Value | $583,694 |
| Average Home Value | $646,940 |
Housing Distribution
Address Breakdown
Residential
2,213
Single Family
2,213
Multi-Family
0
Businesses
160
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
Multi Family
Built in 1940
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95316, Denair, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,504 (100%) |
| Owner Occupied HU | 1,843 (73.6%) |
| Renter Occupied HU | 582 (23.2%) |
| Vacant Housing Units | 79 ( 3.2%) |
| Median Home Value | $583,694 |
| Average Home Value | $646,940 |
Housing Distribution
Address Breakdown
Residential
2,213
Single Family
2,213
Multi-Family
0
Businesses
160
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #225147400