4816 Norma WayKeyesCA95328
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4816 Norma Way, Keyes, CA, 95328 in Keyes fits: $605,990, 5.94% gross yield, and a projected 5% annual appreciation rate adding $167,424 in value within five years. Rental yield 5.94%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.10) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,581/yr in principal paydown and $167,424 in appreciation project a total return of $181,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.5% |
| Monthly Cash Flow | $(749) | $300 |
City averages based on Keyes market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $3,508 |
| DSCR Ratio | 0.86x |
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.
Single Family
Built in N/A
6,181 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95328, Keyes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,266 (100%) |
| Owner Occupied HU | 801 (63.3%) |
| Renter Occupied HU | 379 (29.9%) |
| Vacant Housing Units | 86 ( 6.8%) |
| Median Home Value | $505,268 |
| Average Home Value | $686,507 |
Housing Distribution
Address Breakdown
Residential
1,046
Single Family
1,046
Multi-Family
0
Businesses
37
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 N/A
6,181 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95328, Keyes, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,266 (100%) |
| Owner Occupied HU | 801 (63.3%) |
| Renter Occupied HU | 379 (29.9%) |
| Vacant Housing Units | 86 ( 6.8%) |
| Median Home Value | $505,268 |
| Average Home Value | $686,507 |
Housing Distribution
Address Breakdown
Residential
1,046
Single Family
1,046
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Frank Izzo • Bright Development
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225032584
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)