4312 Virgusell CirCarmichaelCA95608
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 4312 Virgusell Cir, Carmichael, CA, 95608 in Carmichael is a conservative rental investment at $629,000. Rental yield 6.75%. A 1.25 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $173,781; $5,793/yr in principal paydown supplements. Total projected return: $215,943.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.5% |
| Monthly Cash Flow | $(351) | $300 |
City averages based on Carmichael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,540 |
| Total Monthly Debt Service | $3,641 |
| DSCR Ratio | 0.97x |
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 1963
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95608, Carmichael, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,709 (100%) |
| Owner Occupied HU | 14,281 (53.5%) |
| Renter Occupied HU | 11,321 (42.4%) |
| Vacant Housing Units | 1,107 ( 4.1%) |
| Median Home Value | $647,950 |
| Average Home Value | $694,684 |
Housing Distribution
Address Breakdown
Residential
26,225
Single Family
20,955
Multi-Family
5,270
Businesses
1,174
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 1963
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95608, Carmichael, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,709 (100%) |
| Owner Occupied HU | 14,281 (53.5%) |
| Renter Occupied HU | 11,321 (42.4%) |
| Vacant Housing Units | 1,107 ( 4.1%) |
| Median Home Value | $647,950 |
| Average Home Value | $694,684 |
Housing Distribution
Address Breakdown
Residential
26,225
Single Family
20,955
Multi-Family
5,270
Businesses
1,174
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rockey Rockey • A List California Properties
Mls Name: MetroList Services of CA
Mls ID: #226016598