940 Rushmore DrAtwaterCA95301
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $469,000, 940 Rushmore Dr, Atwater, CA, 95301 in Atwater generates $2,965/mo in rent (7.59% yield) but nets only $46/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.41) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $129,576. Total projected return: $180,875.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $46 | $300 |
City averages based on Atwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,965 |
| Total Monthly Debt Service | $2,733 |
| DSCR Ratio | 1.09x |
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 2016
6,024 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
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 2016
6,024 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95301, Atwater, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,119 (100%) |
| Owner Occupied HU | 7,743 (59.0%) |
| Renter Occupied HU | 5,014 (38.2%) |
| Vacant Housing Units | 362 ( 2.8%) |
| Median Home Value | $399,856 |
| Average Home Value | $442,003 |
Housing Distribution
Address Breakdown
Residential
12,883
Single Family
12,556
Multi-Family
327
Businesses
829
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rachael Epps • Valley Heritage Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225045675
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