21754 California AveSan JoaquinCA93660
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 21754 California Ave, San Joaquin, CA, 93660 in San Joaquin, $266,900, 8.12% gross yield, $154/mo net income. Consider it a market-entry position, the $1,805/mo rent covers the $1,200/mo payment with a margin, and 5%/yr appreciation is projected to add $73,740 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.50) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $111,151.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $154 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,805 |
| Total Monthly Debt Service | $1,545 |
| DSCR Ratio | 1.17x |
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 1998
3,301 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93660, San Joaquin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,068 (100%) |
| Owner Occupied HU | 450 (42.1%) |
| Renter Occupied HU | 570 (53.4%) |
| Vacant Housing Units | 48 ( 4.5%) |
| Median Home Value | $299,286 |
| Average Home Value | $397,528 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
60
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 1998
3,301 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93660, San Joaquin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,068 (100%) |
| Owner Occupied HU | 450 (42.1%) |
| Renter Occupied HU | 570 (53.4%) |
| Vacant Housing Units | 48 ( 4.5%) |
| Median Home Value | $299,286 |
| Average Home Value | $397,528 |
Housing Distribution
Address Breakdown
Residential
92
Single Family
92
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Fresno MLS
Mls ID: #644697