635 E Cambridge AveFresnoCA93704
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 635 E Cambridge Ave, Fresno, CA, 93704 in Fresno. Rental yield 6.96%. The 1.29 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $126,813 and $4,227/yr in principal reduction project total return of $160,780.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.1% |
| Monthly Cash Flow | $(208) | $420 |
City averages based on Fresno market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,660 |
| Total Monthly Debt Service | $2,686 |
| DSCR Ratio | 0.99x |
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 1925
8,102 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93704, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,917 (100%) |
| Owner Occupied HU | 6,178 (51.8%) |
| Renter Occupied HU | 5,144 (43.2%) |
| Vacant Housing Units | 595 ( 5.0%) |
| Median Home Value | $445,508 |
| Average Home Value | $504,721 |
Housing Distribution
Address Breakdown
Residential
11,423
Single Family
9,346
Multi-Family
2,077
Businesses
715
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 1925
8,102 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93704, Fresno, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,917 (100%) |
| Owner Occupied HU | 6,178 (51.8%) |
| Renter Occupied HU | 5,144 (43.2%) |
| Vacant Housing Units | 595 ( 5.0%) |
| Median Home Value | $445,508 |
| Average Home Value | $504,721 |
Housing Distribution
Address Breakdown
Residential
11,423
Single Family
9,346
Multi-Family
2,077
Businesses
715
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices