913 Farnham DrPattersonCA95363
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 913 Farnham Dr, Patterson, CA, 95363 in Patterson. At $492,500 it earns $3,256/mo in rent and distributes $209/mo to the owner after the $2,215/mo payment, a consistent 7.93% yield. DSCR 1.47 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $136,069 in value; $4,536/yr in principal paydown compounds ownership stake. Total projected return: $200,184.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $209 | $300 |
City averages based on Patterson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,256 |
| Total Monthly Debt Service | $2,851 |
| DSCR Ratio | 1.14x |
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 N/A
5,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
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 N/A
5,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95363, Patterson, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,283 (100%) |
| Owner Occupied HU | 6,117 (65.9%) |
| Renter Occupied HU | 2,745 (29.6%) |
| Vacant Housing Units | 421 ( 4.5%) |
| Median Home Value | $497,359 |
| Average Home Value | $544,890 |
Housing Distribution
Address Breakdown
Residential
8,733
Single Family
8,629
Multi-Family
104
Businesses
541
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Celestino • KB HOME Sales-Northern California Inc
Mls Name: MetroList Services of CA
Mls ID: #225060925