USDV Capital
Hilmar-Irwin real estate

Hilmar-Irwin

Hilmar-Irwin, California

Est. Cap Rate

3.2%

Based on rent yield × 65%

Vacancy Rate

4.9%

51% owner-occupied

Population

6K

Median income: $76,492

C
40/100Hold

Investment ScoreHilmar-Irwin

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate3.2%
Rent Yield4.9%
Affordability$420,600
Occupancy95.1%
Appreciation0.0%

Hilmar-Irwin Investment Analysis

With a 3.2% cap rate, Hilmar-Irwin is primarily an appreciation play. Investors here are betting on long-term value growth rather than immediate cash flow. With 49% of the population renting at a median of $1,701/month, Hilmar-Irwin has exceptionally strong rental demand — a key indicator for DSCR loan qualification.

Market Profile
Avg: 37/100
Cash Flow3.2% cap
AppreciationN/A
AffordabilityN/A
Occupancy95.1% occ.
Rent Yield4.9%
Employment98.9%
Price vs. Rent Analysis
Price-to-Rent Ratio20.6x
Cash FlowBalancedAppreciation

Balanced market — moderate cash flow with appreciation upside

Median Home Value

Zillow ZHVI

$420,600
Median Monthly Rent

Zillow ZORI

$1,701
Annual Rent
$20,412
Gross Rent Yield

Annual rent ÷ home value

4.9%

Market Details

Housing Stock

2K units

Single-family: 2K

Multifamily: 121 (6.1%)

Investment Metrics

Gross Yield 4.9%

Cap Rate 3.2%

Price-to-Rent 20.6 (Favors renting)

Property Tax $2,509/yr

Demographics

Median Income $76,492

Median Age 36.2

Employment 98.9%

Rental Market

$1,701/mo

Renter population: 49.3%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population6K

2K/sq mi

Median Income$76,492

$36,796 per capita

Employment98.9%

9.7% unemployment

Occupancy95.1%

49.3% renters

College Educated9.8%
Median Age: 36.22K Housing UnitsMedian Built: 1987

Hilmar-Irwin Investment Report

Comprehensive city market analysis

+12.4%
$485K
8.2%
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Free Investment Report

Get the Complete Hilmar-Irwin Market Analysis

Make data-driven investment decisions with our comprehensive city report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Hilmar-Irwin deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
Get Pre-Qualified
Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
Get Pre-Qualified
Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
Get Pre-Qualified
DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
Get Pre-Qualified

Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Hilmar-Irwin opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000