12400 Fair Oaks Blvd APT 321Fair OaksCA95628
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 12400 Fair Oaks Blvd APT 321, Fair Oaks, CA, 95628 in Fair Oaks is the 1.53 coverage ratio: rent of $2,370/mo versus a $1,551/mo debt payment on a $344,900 property. Rental yield 8.25%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $95,290 by year five, with $3,177/yr in equity from paydown. Total projected cumulative return: $113,916.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $(298) | $300 |
City averages based on Fair Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,370 |
| Total Monthly Debt Service | $2,531 |
| DSCR Ratio | 0.94x |
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 2007
N/A lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95628, Fair Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,888 (100%) |
| Owner Occupied HU | 12,019 (67.2%) |
| Renter Occupied HU | 5,234 (29.3%) |
| Vacant Housing Units | 635 ( 3.5%) |
| Median Home Value | $679,211 |
| Average Home Value | $717,794 |
Housing Distribution
Address Breakdown
Residential
17,846
Single Family
16,524
Multi-Family
1,322
Businesses
1,383
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 2007
N/A lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95628, Fair Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,888 (100%) |
| Owner Occupied HU | 12,019 (67.2%) |
| Renter Occupied HU | 5,234 (29.3%) |
| Vacant Housing Units | 635 ( 3.5%) |
| Median Home Value | $679,211 |
| Average Home Value | $717,794 |
Housing Distribution
Address Breakdown
Residential
17,846
Single Family
16,524
Multi-Family
1,322
Businesses
1,383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rosalind Pyles • Redfin Corporation
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225038357
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