9364 Holland AveDurhamCA95938
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Durham rental at 9364 Holland Ave, Durham, CA, 95938 sits in the solid-income band: 8.38% gross yield, $2,506/mo rent, $285/mo net after the $1,614/mo debt service, DSCR 1.55. Entry price of $359,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $99,185 and $3,306/yr in principal reduction bring total cumulative return to $154,522.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $285 | $1,500 |
City averages based on Durham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,506 |
| Total Monthly Debt Service | $2,078 |
| DSCR Ratio | 1.21x |
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 1948
2,614 sqft 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
Single Family
Built in 1948
2,614 sqft 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: Jessica Sorenson • Re/Max of Chico
Mls Name: CRMLS
Mls ID: #SN25266244