4627 Excelsior RdMatherCA95655
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 4627 Excelsior Rd, Mather, CA, 95655 in Mather, $574,999, 8.12% gross yield, $55/mo net income. Consider it a market-entry position, the $3,893/mo rent covers the $2,586/mo payment with a margin, and 5%/yr appreciation is projected to add $158,862 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.51) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $222,775.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $55 | $1,500 |
City averages based on Mather market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,893 |
| Total Monthly Debt Service | $3,609 |
| DSCR Ratio | 1.08x |
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 2003
8,346 sqft lot
$N/A/sqft
$110 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 2003
8,346 sqft lot
$N/A/sqft
$110 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: Prab Randhawa • Real Broker
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225049548
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)