6303 N Montana AveClovisCA93619
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 6303 N Montana Ave, Clovis, CA, 93619 in Clovis at $1,000,000, 5.77% gross yield, is a market-growth asset. Rental yield 5.77%. The $4,812/mo rent partially funds the $4,497/mo debt service; the core return is the 5%/yr price growth projected to add $276,282 over five years. Ziffy Mortgage's DSCR mortgage (1.07) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $289,182.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(1,400) | $200 |
City averages based on Clovis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,812 |
| Total Monthly Debt Service | $5,815 |
| DSCR Ratio | 0.83x |
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 1980
2.62 Acres lot
$N/A/sqft
$315 annually HOA
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 1980
2.62 Acres lot
$N/A/sqft
$315 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Grant W. Pullen • Realty Concepts, Ltd. - Fresno
Mls Name: Fresno MLS
Mls ID: #631700