4051 Pauline CirLoomisCA95650
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 4051 Pauline Cir, Loomis, CA, 95650 in Loomis. At $750,000 it earns $4,888/mo in rent and distributes $248/mo to the owner after the $3,372/mo payment, a consistent 7.82% yield. DSCR 1.45 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $207,211 in value; $6,908/yr in principal paydown compounds ownership stake. Total projected return: $300,412.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.5% |
| Monthly Cash Flow | $248 | $400 |
City averages based on Loomis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,888 |
| Total Monthly Debt Service | $4,341 |
| DSCR Ratio | 1.13x |
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 2002
9,130 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95650, Loomis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,121 (100%) |
| Owner Occupied HU | 4,135 (80.7%) |
| Renter Occupied HU | 775 (15.1%) |
| Vacant Housing Units | 211 ( 4.1%) |
| Median Home Value | $906,979 |
| Average Home Value | $1,026,276 |
Housing Distribution
Address Breakdown
Residential
4,737
Single Family
4,647
Multi-Family
90
Businesses
759
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 2002
9,130 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95650, Loomis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,121 (100%) |
| Owner Occupied HU | 4,135 (80.7%) |
| Renter Occupied HU | 775 (15.1%) |
| Vacant Housing Units | 211 ( 4.1%) |
| Median Home Value | $906,979 |
| Average Home Value | $1,026,276 |
Housing Distribution
Address Breakdown
Residential
4,737
Single Family
4,647
Multi-Family
90
Businesses
759
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Della Johnson • Better Homes and Gardens RE
Mls Name: MetroList Services of CA
Mls ID: #226020095