595 Estancia StLathropCA95330
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 595 Estancia St, Lathrop, CA, 95330 in Lathrop earns a 9.46% gross yield at $620,013. Rent of $4,890/mo nets $1,055/mo after the $2,788/mo mortgage. The 1.75 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $171,298 and $5,710/yr in equity accumulation project a total cumulative return of $302,980.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.0% |
| Monthly Cash Flow | $1,055 | $400 |
City averages based on Lathrop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,890 |
| Total Monthly Debt Service | $3,589 |
| DSCR Ratio | 1.36x |
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 2024
4,168 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95330, Lathrop, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,872 (100%) |
| Owner Occupied HU | 9,370 (78.9%) |
| Renter Occupied HU | 2,055 (17.3%) |
| Vacant Housing Units | 447 ( 3.8%) |
| Median Home Value | $643,207 |
| Average Home Value | $656,533 |
Housing Distribution
Address Breakdown
Residential
10,658
Single Family
10,422
Multi-Family
236
Businesses
488
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 2024
4,168 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95330, Lathrop, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,872 (100%) |
| Owner Occupied HU | 9,370 (78.9%) |
| Renter Occupied HU | 2,055 (17.3%) |
| Vacant Housing Units | 447 ( 3.8%) |
| Median Home Value | $643,207 |
| Average Home Value | $656,533 |
Housing Distribution
Address Breakdown
Residential
10,658
Single Family
10,422
Multi-Family
236
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices