619 E Watters RdFrench CampCA95231
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 619 E Watters Rd, French Camp, CA, 95231 in French Camp. Priced at $330,000, it generates $2,782/mo in gross rent and $694/mo in net monthly cash flow, a 10.11% yield that comfortably supports the 1.87 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,324. Five-year appreciation: $91,173. Equity from principal paydown: $3,039/yr. Total projected cumulative return: $170,007.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $694 | $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 | $2,782 |
| Total Monthly Debt Service | $1,957 |
| DSCR Ratio | 1.42x |
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 1973
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95231, French Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 859 (100%) |
| Owner Occupied HU | 532 (61.9%) |
| Renter Occupied HU | 290 (33.8%) |
| Vacant Housing Units | 37 ( 4.3%) |
| Median Home Value | $618,919 |
| Average Home Value | $675,367 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
701
Multi-Family
85
Businesses
338
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 1973
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95231, French Camp, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 859 (100%) |
| Owner Occupied HU | 532 (61.9%) |
| Renter Occupied HU | 290 (33.8%) |
| Vacant Housing Units | 37 ( 4.3%) |
| Median Home Value | $618,919 |
| Average Home Value | $675,367 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
701
Multi-Family
85
Businesses
338
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Arianna Valdez • JRP Realty Group
Mls Name: MetroList Services of CA
Mls ID: #225098631