3376 Gallatin DrFolsomCA95630
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3376 Gallatin Dr, Folsom, CA, 95630 in Folsom. At $619,950 it earns $4,225/mo in rent and distributes $306/mo to the owner after the $2,788/mo payment, a consistent 8.18% yield. DSCR 1.52 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $171,281 in value; $5,710/yr in principal paydown compounds ownership stake. Total projected return: $255,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $306 | $300 |
City averages based on Folsom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,225 |
| Total Monthly Debt Service | $3,672 |
| DSCR Ratio | 1.15x |
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 2023
2,644 sqft lot
$N/A/sqft
$84 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 2023
2,644 sqft lot
$N/A/sqft
$84 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