762 Grove AveGustineCA95322
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 762 Grove Ave, Gustine, CA, 95322 in Gustine is narrow, $143/mo net on $2,383/mo rent after the $1,619/mo debt service, but the property operates at break-even-plus, not a loss. At $360,000 with a 7.94% yield, the long-run equity case via 5% appreciation ($99,461 over five years) and $3,316/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $145,803.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $143 | $1,500 |
City averages based on Gustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,383 |
| Total Monthly Debt Service | $2,097 |
| DSCR Ratio | 1.14x |
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 1940
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95322, Gustine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,475 (100%) |
| Owner Occupied HU | 1,956 (56.3%) |
| Renter Occupied HU | 1,344 (38.7%) |
| Vacant Housing Units | 175 ( 5.0%) |
| Median Home Value | $465,821 |
| Average Home Value | $562,891 |
Housing Distribution
Address Breakdown
Residential
3,333
Single Family
3,244
Multi-Family
89
Businesses
220
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 1940
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95322, Gustine, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,475 (100%) |
| Owner Occupied HU | 1,956 (56.3%) |
| Renter Occupied HU | 1,344 (38.7%) |
| Vacant Housing Units | 175 ( 5.0%) |
| Median Home Value | $465,821 |
| Average Home Value | $562,891 |
Housing Distribution
Address Breakdown
Residential
3,333
Single Family
3,244
Multi-Family
89
Businesses
220
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices