4724 S Sperry RdDenairCA95316
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4724 S Sperry Rd, Denair, CA, 95316 in Denair. At $435,000 it earns $3,118/mo in rent and distributes $320/mo to the owner after the $1,956/mo payment, a consistent 8.6% yield. DSCR 1.59 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $120,182 in value; $4,006/yr in principal paydown compounds ownership stake. Total projected return: $186,043.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $320 | $500 |
City averages based on Denair market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,118 |
| Total Monthly Debt Service | $2,624 |
| DSCR Ratio | 1.19x |
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 1988
1.50 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
Single Family
Built in 1988
1.50 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