840 J StReedleyCA93654
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 840 J St, Reedley, CA, 93654 in Reedley: $2,047/mo in rent, $408/mo in net income, 9.27% gross yield, 1.72 DSCR, all at $265,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $73,215 in appreciation and $2,441/yr in principal paydown projects total cumulative return of $126,715.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $408 | $150 |
City averages based on Reedley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,047 |
| Total Monthly Debt Service | $1,534 |
| DSCR Ratio | 1.33x |
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 1946
8,698 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93654, Reedley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,520 (100%) |
| Owner Occupied HU | 5,536 (58.2%) |
| Renter Occupied HU | 3,578 (37.6%) |
| Vacant Housing Units | 406 ( 4.3%) |
| Median Home Value | $382,117 |
| Average Home Value | $420,477 |
Housing Distribution
Address Breakdown
Residential
9,204
Single Family
8,321
Multi-Family
883
Businesses
853
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 1946
8,698 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93654, Reedley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,520 (100%) |
| Owner Occupied HU | 5,536 (58.2%) |
| Renter Occupied HU | 3,578 (37.6%) |
| Vacant Housing Units | 406 ( 4.3%) |
| Median Home Value | $382,117 |
| Average Home Value | $420,477 |
Housing Distribution
Address Breakdown
Residential
9,204
Single Family
8,321
Multi-Family
883
Businesses
853
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Enrique Ruiz-Sanchez • Real Broker
Mls Name: Fresno MLS
Mls ID: #621131