912 S B StMaderaCA93638
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 912 S B St, Madera, CA, 93638 in Madera worth study. Rental yield 5.44%. The 5.44% gross yield is below cash-flow benchmarks at $315,000, but 5% annual appreciation, adding $87,029 over five years, frames this as a capital growth position. Rent of $1,429/mo partially offsets the $1,416/mo payment. Ziffy Mortgage finances appreciation-play properties (1.01 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $86,074.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.5% |
| Monthly Cash Flow | $(519) | $2,100 |
City averages based on Madera market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,429 |
| Total Monthly Debt Service | $1,823 |
| DSCR Ratio | 0.78x |
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 1939
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93638, Madera, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,021 (100%) |
| Owner Occupied HU | 7,020 (53.9%) |
| Renter Occupied HU | 5,473 (42.0%) |
| Vacant Housing Units | 528 ( 4.1%) |
| Median Home Value | $356,944 |
| Average Home Value | $413,680 |
Housing Distribution
Address Breakdown
Residential
12,884
Single Family
12,190
Multi-Family
694
Businesses
622
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 1939
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93638, Madera, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,021 (100%) |
| Owner Occupied HU | 7,020 (53.9%) |
| Renter Occupied HU | 5,473 (42.0%) |
| Vacant Housing Units | 528 ( 4.1%) |
| Median Home Value | $356,944 |
| Average Home Value | $413,680 |
Housing Distribution
Address Breakdown
Residential
12,884
Single Family
12,190
Multi-Family
694
Businesses
622
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Saim Mohammad • RE/MAX Gold
Mls Name: Fresno MLS
Mls ID: #633511