2608 Celestial LnLincolnCA95648
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Lincoln rental at 2608 Celestial Ln, Lincoln, CA, 95648 sits in the solid-income band: 8.31% gross yield, $3,474/mo rent, $341/mo net after the $2,255/mo debt service, DSCR 1.54. Entry price of $501,403 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $138,528 and $4,618/yr in principal reduction bring total cumulative return to $212,216.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.5% |
| Monthly Cash Flow | $341 | $350 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,474 |
| Total Monthly Debt Service | $2,933 |
| DSCR Ratio | 1.18x |
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
N/A 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
N/A 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: Melody Elskes • KB Home
Mls Name: KB Home
Mls Provider:
Mls ID: #N/A