3948 Valance WayRancho CordovaCA95742
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 3948 Valance Way, Rancho Cordova, CA, 95742 in Rancho Cordova, $568,829, 7.59% gross yield, $8/mo net income. Consider it a market-entry position, the $3,600/mo rent covers the $2,558/mo payment with a margin, and 5%/yr appreciation is projected to add $157,157 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.41) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $216,477.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $8 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,600 |
| Total Monthly Debt Service | $3,366 |
| DSCR Ratio | 1.07x |
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 2024
4,673 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95742, Rancho Cordova, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,822 (100%) |
| Owner Occupied HU | 6,090 (77.9%) |
| Renter Occupied HU | 909 (11.6%) |
| Vacant Housing Units | 823 (10.5%) |
| Median Home Value | $627,763 |
| Average Home Value | $660,425 |
Housing Distribution
Address Breakdown
Residential
6,250
Single Family
5,950
Multi-Family
300
Businesses
1,327
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 2024
4,673 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95742, Rancho Cordova, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,822 (100%) |
| Owner Occupied HU | 6,090 (77.9%) |
| Renter Occupied HU | 909 (11.6%) |
| Vacant Housing Units | 823 (10.5%) |
| Median Home Value | $627,763 |
| Average Home Value | $660,425 |
Housing Distribution
Address Breakdown
Residential
6,250
Single Family
5,950
Multi-Family
300
Businesses
1,327
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Randy Anderson • Richmond American Homes
Mls Name: BAREIS
Mls Provider:
Mls ID: #224107592
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