4425 Fenwick WayNorth HighlandsCA95660
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4425 Fenwick Way, North Highlands, CA, 95660 in North Highlands is narrow, $139/mo net on $2,820/mo rent after the $1,902/mo debt service, but the property operates at break-even-plus, not a loss. At $423,000 with a 8% yield, the long-run equity case via 5% appreciation ($116,867 over five years) and $3,896/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $169,658.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.0% |
| Monthly Cash Flow | $139 | $1,200 |
City averages based on North Highlands market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,820 |
| Total Monthly Debt Service | $2,512 |
| DSCR Ratio | 1.12x |
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 1960
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95660, North Highlands, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,007 (100%) |
| Owner Occupied HU | 6,050 (55.0%) |
| Renter Occupied HU | 4,542 (41.3%) |
| Vacant Housing Units | 415 ( 3.8%) |
| Median Home Value | $371,616 |
| Average Home Value | $455,805 |
Housing Distribution
Address Breakdown
Residential
10,870
Single Family
9,709
Multi-Family
1,161
Businesses
1,064
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 1960
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95660, North Highlands, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,007 (100%) |
| Owner Occupied HU | 6,050 (55.0%) |
| Renter Occupied HU | 4,542 (41.3%) |
| Vacant Housing Units | 415 ( 3.8%) |
| Median Home Value | $371,616 |
| Average Home Value | $455,805 |
Housing Distribution
Address Breakdown
Residential
10,870
Single Family
9,709
Multi-Family
1,161
Businesses
1,064
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nick Bayes • Nick Alan Bayes
Mls Name: MetroList Services of CA
Mls ID: #225079836