812 W Clover Rd #74TracyCA95376
INVESTMENT ANALYSIS
Investment Verdict
Solid Income812 W Clover Rd #74, Tracy, CA, 95376 in Tracy is a solid income-producing rental, 9% gross yield, $1,500/mo rent, $263/mo net cash flow on a $199,950 buy. DSCR 1.67 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $55,243 and $1,842/yr in principal reduction project a total cumulative return of $92,754.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.0% |
| Monthly Cash Flow | $263 | $300 |
City averages based on Tracy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,500 |
| Total Monthly Debt Service | $1,157 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
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
Manufactured
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95376, Tracy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,258 (100%) |
| Owner Occupied HU | 9,933 (57.6%) |
| Renter Occupied HU | 6,865 (39.8%) |
| Vacant Housing Units | 460 ( 2.7%) |
| Median Home Value | $616,695 |
| Average Home Value | $632,596 |
Housing Distribution
Address Breakdown
Residential
16,979
Single Family
15,266
Multi-Family
1,713
Businesses
1,040
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Maez • HomeSmart PV & Associates
Mls Name: MetroList Services of CA
Mls ID: #225138100