4812 Esmar Rd SPC 2CeresCA95307
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4812 Esmar Rd SPC 2, Ceres, CA, 95307 in Ceres earns its strong cash-flow label: 23.28% yield, $2,231/mo rent, $1,519/mo net income, DSCR 4.32. The $115,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $31,772 by year five. Combined with $1,059/yr in principal paydown, total projected return reaches $141,431.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.3% | 6.5% |
| Monthly Cash Flow | $1,519 | $200 |
City averages based on Ceres market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,231 |
| Total Monthly Debt Service | $666 |
| DSCR Ratio | 3.35x |
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.
Manufactured
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95307, Ceres, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,374 (100%) |
| Owner Occupied HU | 8,221 (61.5%) |
| Renter Occupied HU | 4,863 (36.4%) |
| Vacant Housing Units | 290 ( 2.2%) |
| Median Home Value | $471,243 |
| Average Home Value | $519,886 |
Housing Distribution
Address Breakdown
Residential
13,247
Single Family
12,602
Multi-Family
645
Businesses
957
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
Manufactured
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95307, Ceres, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,374 (100%) |
| Owner Occupied HU | 8,221 (61.5%) |
| Renter Occupied HU | 4,863 (36.4%) |
| Vacant Housing Units | 290 ( 2.2%) |
| Median Home Value | $471,243 |
| Average Home Value | $519,886 |
Housing Distribution
Address Breakdown
Residential
13,247
Single Family
12,602
Multi-Family
645
Businesses
957
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices