4860 E Lane Ave UNIT 239FresnoCA93727
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4860 E Lane Ave UNIT 239, Fresno, CA, 93727 in Fresno. Priced at $125,000, it generates $1,585/mo in gross rent and $516/mo in net monthly cash flow, a 15.22% yield that comfortably supports the 2.82 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,191. Five-year appreciation: $34,535. Equity from principal paydown: $1,151/yr. Total projected cumulative return: $81,895.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 6.1% |
| Monthly Cash Flow | $516 | $420 |
City averages based on Fresno market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,585 |
| Total Monthly Debt Service | $1,020 |
| DSCR Ratio | 1.55x |
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.
Condo
Built in 1982
928 sqft lot
$N/A/sqft
$296 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93727, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,610 (100%) |
| Owner Occupied HU | 17,231 (58.2%) |
| Renter Occupied HU | 11,297 (38.2%) |
| Vacant Housing Units | 1,082 ( 3.7%) |
| Median Home Value | $421,096 |
| Average Home Value | $470,917 |
Housing Distribution
Address Breakdown
Residential
27,528
Single Family
23,870
Multi-Family
3,658
Businesses
1,671
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
Condo
Built in 1982
928 sqft lot
$N/A/sqft
$296 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93727, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,610 (100%) |
| Owner Occupied HU | 17,231 (58.2%) |
| Renter Occupied HU | 11,297 (38.2%) |
| Vacant Housing Units | 1,082 ( 3.7%) |
| Median Home Value | $421,096 |
| Average Home Value | $470,917 |
Housing Distribution
Address Breakdown
Residential
27,528
Single Family
23,870
Multi-Family
3,658
Businesses
1,671
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices