733 Marcelina CtMercedCA95341
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing733 Marcelina Ct, Merced, CA, 95341 in Merced is a stable, well-positioned rental at $338,000. Rental yield 6.47%. DSCR 1.21 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $93,383 in value and $3,113/yr in principal paydown builds equity, a total projected return of $100,778.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(449) | $1,200 |
City averages based on Merced market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,833 |
| Total Monthly Debt Service | $2,136 |
| DSCR Ratio | 0.86x |
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 2021
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95341, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,816 (100%) |
| Owner Occupied HU | 4,963 (45.9%) |
| Renter Occupied HU | 5,499 (50.8%) |
| Vacant Housing Units | 354 ( 3.3%) |
| Median Home Value | $351,522 |
| Average Home Value | $427,970 |
Housing Distribution
Address Breakdown
Residential
9,985
Single Family
9,715
Multi-Family
270
Businesses
736
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 2021
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95341, Merced, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,816 (100%) |
| Owner Occupied HU | 4,963 (45.9%) |
| Renter Occupied HU | 5,499 (50.8%) |
| Vacant Housing Units | 354 ( 3.3%) |
| Median Home Value | $351,522 |
| Average Home Value | $427,970 |
Housing Distribution
Address Breakdown
Residential
9,985
Single Family
9,715
Multi-Family
270
Businesses
736
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joyce Fletcher • Berkshire Hathaway HS Real Time Realty
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82010654
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-22 03:38:53 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.