5250 Fenton WayGranite BayCA95746
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 5250 Fenton Way, Granite Bay, CA, 95746 in Granite Bay at $1,199,900, 5.67% gross yield, is a market-growth asset. Rental yield 5.67%. The $5,671/mo rent partially funds the $5,396/mo debt service; the core return is the 5%/yr price growth projected to add $331,510 over five years. Ziffy Mortgage's DSCR mortgage (1.05) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $328,988.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.0% |
| Monthly Cash Flow | $(1,973) | $300 |
City averages based on Granite Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,671 |
| Total Monthly Debt Service | $7,166 |
| DSCR Ratio | 0.79x |
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 1995
7,958 sqft lot
$N/A/sqft
$221 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95746, Granite Bay, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,404 (100%) |
| Owner Occupied HU | 7,188 (85.5%) |
| Renter Occupied HU | 884 (10.5%) |
| Vacant Housing Units | 332 ( 4.0%) |
| Median Home Value | $1,008,308 |
| Average Home Value | $1,138,256 |
Housing Distribution
Address Breakdown
Residential
8,175
Single Family
8,096
Multi-Family
79
Businesses
771
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 1995
7,958 sqft lot
$N/A/sqft
$221 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95746, Granite Bay, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,404 (100%) |
| Owner Occupied HU | 7,188 (85.5%) |
| Renter Occupied HU | 884 (10.5%) |
| Vacant Housing Units | 332 ( 4.0%) |
| Median Home Value | $1,008,308 |
| Average Home Value | $1,138,256 |
Housing Distribution
Address Breakdown
Residential
8,175
Single Family
8,096
Multi-Family
79
Businesses
771
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tanya Bridges • 1st Choice Realty & Associates
Mls Name: MetroList Services of CA
Mls ID: #225145649