1881 Swinton DrFolsomCA95630
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1881 Swinton Dr, Folsom, CA, 95630 in Folsom. Rental yield 5.31%. At $894,000 with 5.31% gross yield, current distributions are modest, but the 5% appreciation rate projects $246,996 in new equity by year five, complemented by $8,234/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.98) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $229,222.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.5% |
| Monthly Cash Flow | $(1,715) | $300 |
City averages based on Folsom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,954 |
| Total Monthly Debt Service | $5,313 |
| DSCR Ratio | 0.74x |
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 2001
10,619 sqft lot
$N/A/sqft
$52 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95630, Folsom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 34,418 (100%) |
| Owner Occupied HU | 22,461 (65.3%) |
| Renter Occupied HU | 9,898 (28.8%) |
| Vacant Housing Units | 2,059 ( 6.0%) |
| Median Home Value | $732,244 |
| Average Home Value | $749,661 |
Housing Distribution
Address Breakdown
Residential
32,491
Single Family
26,905
Multi-Family
5,586
Businesses
2,075
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 2001
10,619 sqft lot
$N/A/sqft
$52 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95630, Folsom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 34,418 (100%) |
| Owner Occupied HU | 22,461 (65.3%) |
| Renter Occupied HU | 9,898 (28.8%) |
| Vacant Housing Units | 2,059 ( 6.0%) |
| Median Home Value | $732,244 |
| Average Home Value | $749,661 |
Housing Distribution
Address Breakdown
Residential
32,491
Single Family
26,905
Multi-Family
5,586
Businesses
2,075
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cassandra Niklewski • eXp Realty of Northern California, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225063655