11490 Arno RdGaltCA95632
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.19% gross rental yield, 11490 Arno Rd, Galt, CA, 95632 in Galt is priced for capital growth, not immediate cash flow. The $1,275,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $352,259 by year five, with $11,743/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.59) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $193,833.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 7.5% |
| Monthly Cash Flow | $(4,501) | $2,300 |
City averages based on Galt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,386 |
| Total Monthly Debt Service | $7,380 |
| DSCR Ratio | 0.46x |
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 1964
2.73 Acres 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 1964
2.73 Acres 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: Lance McHan • Cornerstone Real Estate Group
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224120224
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.