6413 Cervi RdRiverbankCA95363
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.67% yield at 6413 Cervi Rd, Riverbank, CA, 95363 in Riverbank is solid, but the $2,291/mo payment compresses net cash flow to $104/mo at $509,490. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $140,763 by year five, and $4,692/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.42) without U.S. income documentation. Total projected return: $199,883.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $104 | $250 |
City averages based on Riverbank market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,256 |
| Total Monthly Debt Service | $2,949 |
| DSCR Ratio | 1.10x |
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 N/A
3,336 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
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 N/A
3,336 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226022552