4125 Koya LnFair OaksCA95628
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4125 Koya Ln, Fair Oaks, CA, 95628 in Fair Oaks: $9,224/mo in rent, $1,924/mo in net income, 9.46% gross yield, 1.75 DSCR, all at $1,170,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $323,249 in appreciation and $10,776/yr in principal paydown projects total cumulative return of $567,725.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $1,924 | $300 |
City averages based on Fair Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,224 |
| Total Monthly Debt Service | $6,835 |
| DSCR Ratio | 1.35x |
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 1992
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95628, Fair Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,888 (100%) |
| Owner Occupied HU | 12,019 (67.2%) |
| Renter Occupied HU | 5,234 (29.3%) |
| Vacant Housing Units | 635 ( 3.5%) |
| Median Home Value | $679,211 |
| Average Home Value | $717,794 |
Housing Distribution
Address Breakdown
Residential
17,846
Single Family
16,524
Multi-Family
1,322
Businesses
1,383
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 1992
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95628, Fair Oaks, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,888 (100%) |
| Owner Occupied HU | 12,019 (67.2%) |
| Renter Occupied HU | 5,234 (29.3%) |
| Vacant Housing Units | 635 ( 3.5%) |
| Median Home Value | $679,211 |
| Average Home Value | $717,794 |
Housing Distribution
Address Breakdown
Residential
17,846
Single Family
16,524
Multi-Family
1,322
Businesses
1,383
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices