224 United CtLincolnCA95648
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Lincoln rentals match the income profile of 224 United Ct, Lincoln, CA, 95648. Listed at $181,859, gross rent is $2,128/mo and net cash flow is $772/mo, a 14.04% yield well above national averages. DSCR 2.60 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $50,244 by year five with $1,675/yr in annual principal reduction, projecting $119,670 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 5.5% |
| Monthly Cash Flow | $772 | $350 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,128 |
| Total Monthly Debt Service | $1,283 |
| DSCR Ratio | 1.66x |
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 2025
4,420 sqft lot
$N/A/sqft
No 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 2025
4,420 sqft lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: TRI Pointe Homes
Mls Provider:
Mls ID: #N/A