998 J StOakdaleCA95361
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow998 J St, Oakdale, CA, 95361 in Oakdale is a top-tier cash-flow asset. At $435,000 it produces $4,481/mo in rent and $1,612/mo in net monthly income, a 12.36% gross rental yield. The DSCR of 2.29 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $19,340. Five-year appreciation adds $120,182, driving a total cumulative return of $269,431.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.0% |
| Monthly Cash Flow | $1,612 | $300 |
City averages based on Oakdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,481 |
| Total Monthly Debt Service | $2,696 |
| DSCR Ratio | 1.66x |
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 2008
3,093 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
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 2008
3,093 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95361, Oakdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,196 (100%) |
| Owner Occupied HU | 8,870 (67.2%) |
| Renter Occupied HU | 3,876 (29.4%) |
| Vacant Housing Units | 450 ( 3.4%) |
| Median Home Value | $551,388 |
| Average Home Value | $614,477 |
Housing Distribution
Address Breakdown
Residential
12,423
Single Family
11,833
Multi-Family
590
Businesses
1,200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices