4872 Papaya DrFair OaksCA95628
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4872 Papaya Dr, Fair Oaks, CA, 95628 in Fair Oaks speaks for itself: 11.24% gross on a $584,999 price, generating $5,478/mo in rent and $1,768/mo in net income after the $2,631/mo debt service. DSCR 2.08, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $21,221 stacks alongside $161,624 in projected five-year appreciation and $5,388/yr in principal reduction. Projected total cumulative return: $335,990.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $1,768 | $300 |
City averages based on Fair Oaks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,478 |
| Total Monthly Debt Service | $3,477 |
| 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 1967
6,970 sqft 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 1967
6,970 sqft 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