10480 Lowell StElvertaCA95626
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play10480 Lowell St, Elverta, CA, 95626 in Elverta is priced for appreciation, not yield. Rental yield 4.67%. At $799,000 with a 4.67% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $220,749 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.87) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $185,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.5% |
| Monthly Cash Flow | $(1,831) | $300 |
City averages based on Elverta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,112 |
| Total Monthly Debt Service | $4,625 |
| DSCR Ratio | 0.67x |
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 1980
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95626, Elverta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,089 (100%) |
| Owner Occupied HU | 1,691 (80.9%) |
| Renter Occupied HU | 333 (15.9%) |
| Vacant Housing Units | 65 ( 3.1%) |
| Median Home Value | $655,811 |
| Average Home Value | $692,944 |
Housing Distribution
Address Breakdown
Residential
1,902
Single Family
1,902
Multi-Family
0
Businesses
79
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 1980
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95626, Elverta, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,089 (100%) |
| Owner Occupied HU | 1,691 (80.9%) |
| Renter Occupied HU | 333 (15.9%) |
| Vacant Housing Units | 65 ( 3.1%) |
| Median Home Value | $655,811 |
| Average Home Value | $692,944 |
Housing Distribution
Address Breakdown
Residential
1,902
Single Family
1,902
Multi-Family
0
Businesses
79
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin McDonald • Realty ONE Group Complete
Mls Name: MetroList Services of CA
Mls ID: #226021305