703 13th StModestoCA95354
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 703 13th St, Modesto, CA, 95354 in Modesto at $775,000, 4.18% gross yield, is a market-growth asset. Rental yield 4.18%. The $2,699/mo rent partially funds the $3,485/mo debt service; the core return is the 5%/yr price growth projected to add $214,118 over five years. Ziffy Mortgage's DSCR mortgage (0.77) 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: $158,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 5.8% |
| Monthly Cash Flow | $(2,095) | $420 |
City averages based on Modesto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,699 |
| Total Monthly Debt Service | $4,486 |
| DSCR Ratio | 0.60x |
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.
Multi Family
Built in 1905
5,654 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95354, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,671 (100%) |
| Owner Occupied HU | 4,459 (46.1%) |
| Renter Occupied HU | 4,848 (50.1%) |
| Vacant Housing Units | 364 ( 3.8%) |
| Median Home Value | $451,894 |
| Average Home Value | $520,711 |
Housing Distribution
Address Breakdown
Residential
9,294
Single Family
8,539
Multi-Family
755
Businesses
1,681
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
Multi Family
Built in 1905
5,654 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95354, Modesto, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,671 (100%) |
| Owner Occupied HU | 4,459 (46.1%) |
| Renter Occupied HU | 4,848 (50.1%) |
| Vacant Housing Units | 364 ( 3.8%) |
| Median Home Value | $451,894 |
| Average Home Value | $520,711 |
Housing Distribution
Address Breakdown
Residential
9,294
Single Family
8,539
Multi-Family
755
Businesses
1,681
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Braden • RE/MAX Executive
Mls Name: MetroList Services of CA
Mls ID: #225097141