813 Ryton LnPattersonCA95363
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 813 Ryton Ln, Patterson, CA, 95363 in Patterson is a conservative rental investment at $501,990. Rental yield 7.31%. A 1.36 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $138,691; $4,623/yr in principal paydown supplements. Total projected return: $187,448.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.5% |
| Monthly Cash Flow | $(45) | $300 |
City averages based on Patterson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,060 |
| Total Monthly Debt Service | $2,906 |
| DSCR Ratio | 1.05x |
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 N/A
4,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
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 N/A
4,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Celestino • KB HOME Sales-Northern Califor
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225035213
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