524 4th StreetOrange CoveCA93646
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 524 4th Street, Orange Cove, CA, 93646 in Orange Cove speaks for itself: 12.49% gross on a $379,900 price, generating $3,955/mo in rent and $1,605/mo in net income after the $1,708/mo debt service. DSCR 2.32, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $19,261 stacks alongside $104,959 in projected five-year appreciation and $3,499/yr in principal reduction. Projected total cumulative return: $247,365.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 6.2% |
| Monthly Cash Flow | $1,605 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,955 |
| Total Monthly Debt Service | $2,199 |
| DSCR Ratio | 1.80x |
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 1988
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93646, Orange Cove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,824 (100%) |
| Owner Occupied HU | 1,201 (42.5%) |
| Renter Occupied HU | 1,524 (54.0%) |
| Vacant Housing Units | 99 ( 3.5%) |
| Median Home Value | $316,786 |
| Average Home Value | $348,256 |
Housing Distribution
Address Breakdown
Residential
2,733
Single Family
2,470
Multi-Family
263
Businesses
147
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 1988
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93646, Orange Cove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,824 (100%) |
| Owner Occupied HU | 1,201 (42.5%) |
| Renter Occupied HU | 1,524 (54.0%) |
| Vacant Housing Units | 99 ( 3.5%) |
| Median Home Value | $316,786 |
| Average Home Value | $348,256 |
Housing Distribution
Address Breakdown
Residential
2,733
Single Family
2,470
Multi-Family
263
Businesses
147
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices