3918 Coldwater DrRocklinCA95765
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3918 Coldwater Dr, Rocklin, CA, 95765 in Rocklin at $824,750, 4.5% gross yield, is a market-growth asset. Rental yield 4.5%. The $3,096/mo rent partially funds the $3,709/mo debt service; the core return is the 5%/yr price growth projected to add $227,863 over five years. Ziffy Mortgage's DSCR mortgage (0.83) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $163,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(2,348) | $1,200 |
City averages based on Rocklin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,096 |
| Total Monthly Debt Service | $5,116 |
| DSCR Ratio | 0.61x |
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 2000
0.25 Acres lot
$N/A/sqft
$271 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95765, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,208 (100%) |
| Owner Occupied HU | 10,990 (67.8%) |
| Renter Occupied HU | 4,582 (28.3%) |
| Vacant Housing Units | 636 ( 3.9%) |
| Median Home Value | $720,882 |
| Average Home Value | $783,079 |
Housing Distribution
Address Breakdown
Residential
15,572
Single Family
12,324
Multi-Family
3,248
Businesses
847
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 2000
0.25 Acres lot
$N/A/sqft
$271 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95765, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,208 (100%) |
| Owner Occupied HU | 10,990 (67.8%) |
| Renter Occupied HU | 4,582 (28.3%) |
| Vacant Housing Units | 636 ( 3.9%) |
| Median Home Value | $720,882 |
| Average Home Value | $783,079 |
Housing Distribution
Address Breakdown
Residential
15,572
Single Family
12,324
Multi-Family
3,248
Businesses
847
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jane Dekelaita • Coldwell Banker Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225009298
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.