8677 11th StSan JoaquinCA93660
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingThere's a case for owning boring assets in strong markets. Rental yield 6.66%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $85,647 and $2,855/yr in equity build project total return of $104,844.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.0% |
| Monthly Cash Flow | $(198) | $1,500 |
City averages based on San Joaquin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,720 |
| Total Monthly Debt Service | $1,794 |
| DSCR Ratio | 0.96x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1955
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93660, San Joaquin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,068 (100%) |
| Owner Occupied HU | 450 (42.1%) |
| Renter Occupied HU | 570 (53.4%) |
| Vacant Housing Units | 48 ( 4.5%) |
| Median Home Value | $299,286 |
| Average Home Value | $397,528 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
60
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 1955
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93660, San Joaquin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,068 (100%) |
| Owner Occupied HU | 450 (42.1%) |
| Renter Occupied HU | 570 (53.4%) |
| Vacant Housing Units | 48 ( 4.5%) |
| Median Home Value | $299,286 |
| Average Home Value | $397,528 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Oscar Vasquez Velazquez • eXp Realty of California, Inc.
Mls Name: Fresno MLS
Mls ID: #629537