5 School StIsletonCA95641
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 5 School St, Isleton, CA, 95641 in Isleton hard to pass up. The 10.97% gross yield on a $415,000 purchase results in $3,793/mo in rent and $1,226/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.03). Annual cash flow of $14,711, five-year appreciation of $114,657, and $3,822/yr in equity build-up combine for a projected total cumulative return of $236,235.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $1,226 | $300 |
City averages based on Isleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,793 |
| Total Monthly Debt Service | $2,402 |
| DSCR Ratio | 1.58x |
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 1979
4,879 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95641, Isleton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,318 (100%) |
| Owner Occupied HU | 739 (56.1%) |
| Renter Occupied HU | 327 (24.8%) |
| Vacant Housing Units | 252 (19.1%) |
| Median Home Value | $518,750 |
| Average Home Value | $521,066 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
87
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 1979
4,879 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95641, Isleton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,318 (100%) |
| Owner Occupied HU | 739 (56.1%) |
| Renter Occupied HU | 327 (24.8%) |
| Vacant Housing Units | 252 (19.1%) |
| Median Home Value | $518,750 |
| Average Home Value | $521,066 |
Housing Distribution
Address Breakdown
Residential
629
Single Family
629
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices