9440 Rd 236Terra BellaCA93270
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 9440 Rd 236, Terra Bella, CA, 93270 in Terra Bella is listed at $400,000 and delivers $3,272/mo in rent and $798/mo in net monthly cash flow. The 9.82% yield and 1.82 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $110,513 over five years, and $3,684/yr in principal reduction supplements cash return. Total projected cumulative return: $203,014.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.0% |
| Monthly Cash Flow | $798 | $400 |
City averages based on Terra Bella market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,272 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.41x |
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 1920
10,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93270, Terra Bella, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,650 (100%) |
| Owner Occupied HU | 868 (52.6%) |
| Renter Occupied HU | 653 (39.6%) |
| Vacant Housing Units | 129 ( 7.8%) |
| Median Home Value | $337,572 |
| Average Home Value | $401,357 |
Housing Distribution
Address Breakdown
Residential
886
Single Family
886
Multi-Family
0
Businesses
103
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 1920
10,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93270, Terra Bella, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,650 (100%) |
| Owner Occupied HU | 868 (52.6%) |
| Renter Occupied HU | 653 (39.6%) |
| Vacant Housing Units | 129 ( 7.8%) |
| Median Home Value | $337,572 |
| Average Home Value | $401,357 |
Housing Distribution
Address Breakdown
Residential
886
Single Family
886
Multi-Family
0
Businesses
103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Guadalupe Andrade • Legacy Real Estate Inc
Mls Name: TCMLS
Mls ID: #236921