1089 Cepeda WayGaltCA95632
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1089 Cepeda Way, Galt, CA, 95632 in Galt earns a 8.87% gross yield at $694,500. Rent of $5,135/mo nets $839/mo after the $3,123/mo mortgage. The 1.64 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $191,878 and $6,396/yr in equity accumulation project a total cumulative return of $317,300.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.5% |
| Monthly Cash Flow | $839 | $2,300 |
City averages based on Galt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,135 |
| Total Monthly Debt Service | $4,020 |
| DSCR Ratio | 1.28x |
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 2020
8,973 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95632, Galt, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,623 (100%) |
| Owner Occupied HU | 7,874 (74.1%) |
| Renter Occupied HU | 2,455 (23.1%) |
| Vacant Housing Units | 294 ( 2.8%) |
| Median Home Value | $573,267 |
| Average Home Value | $591,013 |
Housing Distribution
Address Breakdown
Residential
10,492
Single Family
10,126
Multi-Family
366
Businesses
620
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 2020
8,973 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95632, Galt, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,623 (100%) |
| Owner Occupied HU | 7,874 (74.1%) |
| Renter Occupied HU | 2,455 (23.1%) |
| Vacant Housing Units | 294 ( 2.8%) |
| Median Home Value | $573,267 |
| Average Home Value | $591,013 |
Housing Distribution
Address Breakdown
Residential
10,492
Single Family
10,126
Multi-Family
366
Businesses
620
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Rodgers • Realty ONE Group Complete
Mls Name: MetroList Services of CA
Mls ID: #225093209