Plan 1 Plan, The Shores at River IslandsLathropCA95330
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider Plan 1 Plan, The Shores at River Islands, Lathrop, CA, 95330 in Lathrop. Rental yield 5.25%. At $1,034,990 with 5.25% gross yield, current distributions are modest, but the 5% appreciation rate projects $285,949 in new equity by year five, complemented by $9,532/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.97) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $271,572.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.0% |
| Monthly Cash Flow | $(1,879) | $400 |
City averages based on Lathrop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,524 |
| Total Monthly Debt Service | $5,991 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95330, Lathrop, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,872 (100%) |
| Owner Occupied HU | 9,370 (78.9%) |
| Renter Occupied HU | 2,055 (17.3%) |
| Vacant Housing Units | 447 ( 3.8%) |
| Median Home Value | $643,207 |
| Average Home Value | $656,533 |
Housing Distribution
Address Breakdown
Residential
10,658
Single Family
10,422
Multi-Family
236
Businesses
488
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95330, Lathrop, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,872 (100%) |
| Owner Occupied HU | 9,370 (78.9%) |
| Renter Occupied HU | 2,055 (17.3%) |
| Vacant Housing Units | 447 ( 3.8%) |
| Median Home Value | $643,207 |
| Average Home Value | $656,533 |
Housing Distribution
Address Breakdown
Residential
10,658
Single Family
10,422
Multi-Family
236
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Pulte Homes
Mls Name: Pulte
Mls Provider:
Mls ID: #N/A