4820 McNary CtModestoCA95357
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.59% yield at 4820 McNary Ct, Modesto, CA, 95357 in Modesto is solid, but the $1,821/mo payment compresses net cash flow to $55/mo at $405,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $111,894 by year five, and $3,730/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.41) without U.S. income documentation. Total projected return: $157,147.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.8% |
| Monthly Cash Flow | $55 | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,561 |
| Total Monthly Debt Service | $2,344 |
| DSCR Ratio | 1.09x |
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 1972
5,593 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95357, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,127 (100%) |
| Owner Occupied HU | 2,835 (68.7%) |
| Renter Occupied HU | 1,171 (28.4%) |
| Vacant Housing Units | 121 ( 2.9%) |
| Median Home Value | $521,319 |
| Average Home Value | $549,821 |
Housing Distribution
Address Breakdown
Residential
4,048
Single Family
4,048
Multi-Family
0
Businesses
620
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 1972
5,593 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95357, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,127 (100%) |
| Owner Occupied HU | 2,835 (68.7%) |
| Renter Occupied HU | 1,171 (28.4%) |
| Vacant Housing Units | 121 ( 2.9%) |
| Median Home Value | $521,319 |
| Average Home Value | $549,821 |
Housing Distribution
Address Breakdown
Residential
4,048
Single Family
4,048
Multi-Family
0
Businesses
620
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Silvia Urbina • Re/max Synergy Group
Mls Name: Bay East AOR
Mls ID: #41123879