4237 Howard CirDiamond SpringsCA95619
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4237 Howard Cir, Diamond Springs, CA, 95619 in Diamond Springs speaks for itself: 11.45% gross on a $385,000 price, generating $3,672/mo in rent and $1,200/mo in net income after the $1,731/mo debt service. DSCR 2.12, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,402 stacks alongside $106,368 in projected five-year appreciation and $3,546/yr in principal reduction. Projected total cumulative return: $223,648.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.0% |
| Monthly Cash Flow | $1,200 | $300 |
City averages based on Diamond Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,672 |
| Total Monthly Debt Service | $2,319 |
| DSCR Ratio | 1.58x |
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 1929
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95619, Diamond Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,734 (100%) |
| Owner Occupied HU | 1,247 (71.9%) |
| Renter Occupied HU | 398 (23.0%) |
| Vacant Housing Units | 89 ( 5.1%) |
| Median Home Value | $473,598 |
| Average Home Value | $528,310 |
Housing Distribution
Address Breakdown
Residential
1,814
Single Family
1,674
Multi-Family
140
Businesses
373
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 1929
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95619, Diamond Springs, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,734 (100%) |
| Owner Occupied HU | 1,247 (71.9%) |
| Renter Occupied HU | 398 (23.0%) |
| Vacant Housing Units | 89 ( 5.1%) |
| Median Home Value | $473,598 |
| Average Home Value | $528,310 |
Housing Distribution
Address Breakdown
Residential
1,814
Single Family
1,674
Multi-Family
140
Businesses
373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices