4695 Pacific St #14RocklinCA95677
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4695 Pacific St #14, Rocklin, CA, 95677 in Rocklin deserves attention. This $124,500 property earns $2,636/mo in rent, a 25.41% gross yield, and nets $1,866/mo after the $560/mo payment. DSCR 4.71 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $34,397 compounds alongside $1,147/yr in yearly equity build, for a total cumulative return of $167,315.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 25.4% | 6.0% |
| Monthly Cash Flow | $1,866 | $1,200 |
City averages based on Rocklin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,636 |
| Total Monthly Debt Service | $721 |
| DSCR Ratio | 3.66x |
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.
Manufactured
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95677, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,885 (100%) |
| Owner Occupied HU | 7,676 (64.6%) |
| Renter Occupied HU | 3,614 (30.4%) |
| Vacant Housing Units | 595 ( 5.0%) |
| Median Home Value | $674,372 |
| Average Home Value | $721,423 |
Housing Distribution
Address Breakdown
Residential
11,244
Single Family
9,287
Multi-Family
1,957
Businesses
1,384
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
Manufactured
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95677, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,885 (100%) |
| Owner Occupied HU | 7,676 (64.6%) |
| Renter Occupied HU | 3,614 (30.4%) |
| Vacant Housing Units | 595 ( 5.0%) |
| Median Home Value | $674,372 |
| Average Home Value | $721,423 |
Housing Distribution
Address Breakdown
Residential
11,244
Single Family
9,287
Multi-Family
1,957
Businesses
1,384
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices