51057 Highway 120BentonCA93512
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play51057 Highway 120, Benton, CA, 93512 in Benton is priced for appreciation, not yield. Rental yield 2.41%. At $1,495,000 with a 2.41% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $413,041 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.45) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $164,531.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 7.5% |
| Monthly Cash Flow | $(6,252) | $450 |
City averages based on Benton market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,996 |
| Total Monthly Debt Service | $8,654 |
| DSCR Ratio | 0.35x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2005
157 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93512, Benton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 158 (100%) |
| Owner Occupied HU | 100 (63.3%) |
| Renter Occupied HU | 18 (11.4%) |
| Vacant Housing Units | 40 (25.3%) |
| Median Home Value | $427,778 |
| Average Home Value | $506,375 |
Housing Distribution
Address Breakdown
Residential
40
Single Family
40
Multi-Family
0
Businesses
6
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 2005
157 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93512, Benton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 158 (100%) |
| Owner Occupied HU | 100 (63.3%) |
| Renter Occupied HU | 18 (11.4%) |
| Vacant Housing Units | 40 (25.3%) |
| Median Home Value | $427,778 |
| Average Home Value | $506,375 |
Housing Distribution
Address Breakdown
Residential
40
Single Family
40
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices