9343 Stanford LnDurhamCA95938
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.95% yield at 9343 Stanford Ln, Durham, CA, 95938 in Durham is solid, but the $2,023/mo payment compresses net cash flow to $197/mo at $450,000. 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 $124,327 by year five, and $4,145/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.47) without U.S. income documentation. Total projected return: $183,348.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $197 | $1,500 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,981 |
| Total Monthly Debt Service | $2,605 |
| 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.
Manufactured
Built in 2000
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95938, Durham, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 999 (65.7%) |
| Renter Occupied HU | 440 (28.9%) |
| Vacant Housing Units | 82 ( 5.4%) |
| Median Home Value | $676,414 |
| Average Home Value | $726,684 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
163
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
Manufactured
Built in 2000
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95938, Durham, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,521 (100%) |
| Owner Occupied HU | 999 (65.7%) |
| Renter Occupied HU | 440 (28.9%) |
| Vacant Housing Units | 82 ( 5.4%) |
| Median Home Value | $676,414 |
| Average Home Value | $726,684 |
Housing Distribution
Address Breakdown
Residential
1,377
Single Family
1,377
Multi-Family
0
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #SN26085335