630 E Dudley AveFresnoCA93728
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 630 E Dudley Ave, Fresno, CA, 93728 in Fresno is narrow, $91/mo net on $2,101/mo rent after the $1,461/mo debt service, but the property operates at break-even-plus, not a loss. At $324,900 with a 7.76% yield, the long-run equity case via 5% appreciation ($89,764 over five years) and $2,992/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $129,093.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.1% |
| Monthly Cash Flow | $91 | $420 |
City averages based on Fresno market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,101 |
| Total Monthly Debt Service | $1,881 |
| DSCR Ratio | 1.12x |
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 1926
7,683 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93728, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,543 (100%) |
| Owner Occupied HU | 2,651 (40.5%) |
| Renter Occupied HU | 3,528 (53.9%) |
| Vacant Housing Units | 364 ( 5.6%) |
| Median Home Value | $255,250 |
| Average Home Value | $310,972 |
Housing Distribution
Address Breakdown
Residential
6,197
Single Family
5,528
Multi-Family
669
Businesses
623
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 1926
7,683 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93728, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,543 (100%) |
| Owner Occupied HU | 2,651 (40.5%) |
| Renter Occupied HU | 3,528 (53.9%) |
| Vacant Housing Units | 364 ( 5.6%) |
| Median Home Value | $255,250 |
| Average Home Value | $310,972 |
Housing Distribution
Address Breakdown
Residential
6,197
Single Family
5,528
Multi-Family
669
Businesses
623
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicole R. Gough • Edinhart Realty & Property Man
Mls Name: Fresno MLS
Mls ID: #637572