105 Cresta CtLincolnCA95648
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 105 Cresta Ct, Lincoln, CA, 95648 in Lincoln at $1,699,990, 4.88% gross yield, is a market-growth asset. Rental yield 4.88%. The $6,911/mo rent partially funds the $7,644/mo debt service; the core return is the 5%/yr price growth projected to add $469,676 over five years. Ziffy Mortgage's DSCR mortgage (0.90) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $374,092.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.5% |
| Monthly Cash Flow | $(4,247) | $350 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,911 |
| Total Monthly Debt Service | $10,481 |
| DSCR Ratio | 0.66x |
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 2005
0.35 Acres lot
$N/A/sqft
$416 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95648, Lincoln, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,614 (100%) |
| Owner Occupied HU | 19,608 (79.7%) |
| Renter Occupied HU | 3,889 (15.8%) |
| Vacant Housing Units | 1,117 ( 4.5%) |
| Median Home Value | $687,520 |
| Average Home Value | $748,845 |
Housing Distribution
Address Breakdown
Residential
23,486
Single Family
22,958
Multi-Family
528
Businesses
1,021
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 2005
0.35 Acres lot
$N/A/sqft
$416 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95648, Lincoln, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,614 (100%) |
| Owner Occupied HU | 19,608 (79.7%) |
| Renter Occupied HU | 3,889 (15.8%) |
| Vacant Housing Units | 1,117 ( 4.5%) |
| Median Home Value | $687,520 |
| Average Home Value | $748,845 |
Housing Distribution
Address Breakdown
Residential
23,486
Single Family
22,958
Multi-Family
528
Businesses
1,021
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Holbrook • Realty ONE Group Complete
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225050572
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)