9454 Vintner CirPattersonCA95363
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.44% yield at 9454 Vintner Cir, Patterson, CA, 95363 in Patterson is solid, but the $1,929/mo payment compresses net cash flow to $146/mo at $429,000. 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 $118,525 by year five, and $3,951/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.56) without U.S. income documentation. Total projected return: $186,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $146 | $300 |
City averages based on Patterson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,018 |
| Total Monthly Debt Service | $2,483 |
| DSCR Ratio | 1.22x |
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 2006
5,776 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 2006
5,776 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: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226027283