836 12th StreetOrange CoveCA93646
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder836 12th Street, Orange Cove, CA, 93646 in Orange Cove earns a respectable 7.76% gross yield at $425,000, but after the $1,911/mo mortgage the net cash flow is $119/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.44) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $117,420 over five years, making equity the dominant return driver. Total projected return: $168,851.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $119 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,748 |
| Total Monthly Debt Service | $2,460 |
| DSCR Ratio | 1.12x |
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 1942
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93646, Orange Cove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,824 (100%) |
| Owner Occupied HU | 1,201 (42.5%) |
| Renter Occupied HU | 1,524 (54.0%) |
| Vacant Housing Units | 99 ( 3.5%) |
| Median Home Value | $316,786 |
| Average Home Value | $348,256 |
Housing Distribution
Address Breakdown
Residential
2,733
Single Family
2,470
Multi-Family
263
Businesses
147
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 1942
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93646, Orange Cove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,824 (100%) |
| Owner Occupied HU | 1,201 (42.5%) |
| Renter Occupied HU | 1,524 (54.0%) |
| Vacant Housing Units | 99 ( 3.5%) |
| Median Home Value | $316,786 |
| Average Home Value | $348,256 |
Housing Distribution
Address Breakdown
Residential
2,733
Single Family
2,470
Multi-Family
263
Businesses
147
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Linda T Parks • Realty Concepts, Ltd
Mls Name: TCMLS
Mls Provider:
Mls ID: #233125
Disclaimer: Based on information from the Tulare County Association of REALTORS as of 2025-02-12 14:50:30 PST. 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.