839 S Susan AveKermanCA93630
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.12% yield at 839 S Susan Ave, Kerman, CA, 93630 in Kerman is solid, but the $2,271/mo payment compresses net cash flow to $146/mo at $505,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $139,522 by year five, and $4,651/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $201,505.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $146 | $500 |
City averages based on Kerman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,415 |
| Total Monthly Debt Service | $3,068 |
| DSCR Ratio | 1.11x |
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 2006
7,348 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93630, Kerman, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,378 (100%) |
| Owner Occupied HU | 3,568 (55.9%) |
| Renter Occupied HU | 2,583 (40.5%) |
| Vacant Housing Units | 227 ( 3.6%) |
| Median Home Value | $394,944 |
| Average Home Value | $412,571 |
Housing Distribution
Address Breakdown
Residential
6,158
Single Family
5,727
Multi-Family
431
Businesses
451
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 2006
7,348 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93630, Kerman, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,378 (100%) |
| Owner Occupied HU | 3,568 (55.9%) |
| Renter Occupied HU | 2,583 (40.5%) |
| Vacant Housing Units | 227 ( 3.6%) |
| Median Home Value | $394,944 |
| Average Home Value | $412,571 |
Housing Distribution
Address Breakdown
Residential
6,158
Single Family
5,727
Multi-Family
431
Businesses
451
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Zackery O'Connor • Choice Homes & Land
Mls Name: Fresno MLS
Mls ID: #629125