647 Skyler LnMercedCA95348
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.44% yield at 647 Skyler Ln, Merced, CA, 95348 in Merced is solid, but the $1,742/mo payment compresses net cash flow to $5/mo at $387,500. 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 $107,059 by year five, and $3,569/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.38) without U.S. income documentation. Total projected return: $147,285.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $5 | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,402 |
| Total Monthly Debt Service | $2,243 |
| DSCR Ratio | 1.07x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95348, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,340 (100%) |
| Owner Occupied HU | 5,789 (43.4%) |
| Renter Occupied HU | 6,650 (49.9%) |
| Vacant Housing Units | 901 ( 6.8%) |
| Median Home Value | $400,787 |
| Average Home Value | $436,785 |
Housing Distribution
Address Breakdown
Residential
13,007
Single Family
11,285
Multi-Family
1,722
Businesses
534
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95348, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,340 (100%) |
| Owner Occupied HU | 5,789 (43.4%) |
| Renter Occupied HU | 6,650 (49.9%) |
| Vacant Housing Units | 901 ( 6.8%) |
| Median Home Value | $400,787 |
| Average Home Value | $436,785 |
Housing Distribution
Address Breakdown
Residential
13,007
Single Family
11,285
Multi-Family
1,722
Businesses
534
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • D.R. Horton
Mls Name: DR Horton
Mls Provider:
Mls ID: #N/A