5101 Vigna WaySalidaCA95368
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5101 Vigna Way, Salida, CA, 95368 in Salida at $454,900 earns $2,816/mo in rent and nets $2/mo after the $2,046/mo payment, a 7.43% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $125,680 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $4,190/yr in principal paydown, total projected return reaches $172,609.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.2% |
| Monthly Cash Flow | $2 | $300 |
City averages based on Salida market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,816 |
| Total Monthly Debt Service | $2,633 |
| DSCR Ratio | 1.07x |
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 1996
5,401 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95368, Salida, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,020 (100%) |
| Owner Occupied HU | 3,065 (76.2%) |
| Renter Occupied HU | 896 (22.3%) |
| Vacant Housing Units | 59 ( 1.5%) |
| Median Home Value | $462,962 |
| Average Home Value | $544,340 |
Housing Distribution
Address Breakdown
Residential
4,044
Single Family
4,044
Multi-Family
0
Businesses
306
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 1996
5,401 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95368, Salida, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,020 (100%) |
| Owner Occupied HU | 3,065 (76.2%) |
| Renter Occupied HU | 896 (22.3%) |
| Vacant Housing Units | 59 ( 1.5%) |
| Median Home Value | $462,962 |
| Average Home Value | $544,340 |
Housing Distribution
Address Breakdown
Residential
4,044
Single Family
4,044
Multi-Family
0
Businesses
306
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Goldman • Berkshire Hathaway HomeServices-Drysdale Properties
Mls Name: MetroList Services of CA
Mls ID: #226001059