29266 Dry Creek RdGaltCA95632
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 29266 Dry Creek Rd, Galt, CA, 95632 in Galt. Rental yield 1.87%. At $1,850,000 with 1.87% gross yield, current distributions are modest, but the 5% appreciation rate projects $511,121 in new equity by year five, complemented by $17,039/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.35) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $150,340.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 7.5% |
| Monthly Cash Flow | $(8,564) | $2,300 |
City averages based on Galt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $10,708 |
| DSCR Ratio | 0.27x |
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 2008
80 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 2008
80 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: Jennifer Wise • Coldwell Banker Realty
Mls Name: MetroList Services of CA
Mls ID: #225117617