3805 A StNorth HighlandsCA95660
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis North Highlands rental at 3805 A St, North Highlands, CA, 95660 sits in the solid-income band: 9.28% gross yield, $2,846/mo rent, $570/mo net after the $1,655/mo debt service, DSCR 1.72. Entry price of $368,000 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 $101,672 and $3,389/yr in principal reduction bring total cumulative return to $176,186.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.0% |
| Monthly Cash Flow | $570 | $1,200 |
City averages based on North Highlands market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,846 |
| Total Monthly Debt Service | $2,130 |
| DSCR Ratio | 1.34x |
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 1954
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95660, North Highlands, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,007 (100%) |
| Owner Occupied HU | 6,050 (55.0%) |
| Renter Occupied HU | 4,542 (41.3%) |
| Vacant Housing Units | 415 ( 3.8%) |
| Median Home Value | $371,616 |
| Average Home Value | $455,805 |
Housing Distribution
Address Breakdown
Residential
10,870
Single Family
9,709
Multi-Family
1,161
Businesses
1,064
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 1954
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95660, North Highlands, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,007 (100%) |
| Owner Occupied HU | 6,050 (55.0%) |
| Renter Occupied HU | 4,542 (41.3%) |
| Vacant Housing Units | 415 ( 3.8%) |
| Median Home Value | $371,616 |
| Average Home Value | $455,805 |
Housing Distribution
Address Breakdown
Residential
10,870
Single Family
9,709
Multi-Family
1,161
Businesses
1,064
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jon Martin • Windermere Signature Properties Roseville/Granite Bay
Mls Name: MetroList Services of CA
Mls ID: #226019796