10025 Winkle CirElk GroveCA95757
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 10025 Winkle Cir, Elk Grove, CA, 95757 in Elk Grove the bet is firmly on appreciation. Rental yield 5.72%. The 5.72% gross yield on a $964,800 price is below income-first thresholds, but 5%/yr value growth projects $266,556 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.06) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $277,791.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.5% |
| Monthly Cash Flow | $(1,369) | $300 |
City averages based on Elk Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,600 |
| Total Monthly Debt Service | $5,585 |
| DSCR Ratio | 0.82x |
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 2011
8,982 sqft lot
$N/A/sqft
No HOA
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 2011
8,982 sqft lot
$N/A/sqft
No HOA
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: #226020711