500 Walnut StOakdaleCA95361
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 500 Walnut St, Oakdale, CA, 95361 in Oakdale deserves attention. This $495,000 property earns $4,465/mo in rent, a 10.82% gross yield, and nets $1,345/mo after the $2,226/mo payment. DSCR 2.01 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $136,759 compounds alongside $4,559/yr in yearly equity build, for a total cumulative return of $274,481.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.0% |
| Monthly Cash Flow | $1,345 | $300 |
City averages based on Oakdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,465 |
| Total Monthly Debt Service | $2,923 |
| DSCR Ratio | 1.53x |
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 1920
9,723 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
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 1920
9,723 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices