820 S Chinowth Rd #74VisaliaCA93277
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow820 S Chinowth Rd #74, Visalia, CA, 93277 in Visalia is a top-tier cash-flow asset. At $114,900 it produces $1,993/mo in rent and $1,282/mo in net monthly income, a 20.82% gross rental yield. The DSCR of 3.85 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $15,389. Five-year appreciation adds $31,745, driving a total cumulative return of $126,086.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 20.8% | 6.5% |
| Monthly Cash Flow | $1,282 | $320 |
City averages based on Visalia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,993 |
| Total Monthly Debt Service | $665 |
| DSCR Ratio | 3.00x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93277, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,981 (100%) |
| Owner Occupied HU | 11,153 (55.8%) |
| Renter Occupied HU | 7,913 (39.6%) |
| Vacant Housing Units | 915 ( 4.6%) |
| Median Home Value | $350,637 |
| Average Home Value | $381,065 |
Housing Distribution
Address Breakdown
Residential
19,507
Single Family
18,413
Multi-Family
1,094
Businesses
1,352
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93277, Visalia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,981 (100%) |
| Owner Occupied HU | 11,153 (55.8%) |
| Renter Occupied HU | 7,913 (39.6%) |
| Vacant Housing Units | 915 ( 4.6%) |
| Median Home Value | $350,637 |
| Average Home Value | $381,065 |
Housing Distribution
Address Breakdown
Residential
19,507
Single Family
18,413
Multi-Family
1,094
Businesses
1,352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices