5262 E Flagstone StCarmichaelCA95608
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Carmichael rental at 5262 E Flagstone St, Carmichael, CA, 95608 sits in the solid-income band: 9.2% gross yield, $3,450/mo rent, $666/mo net after the $2,023/mo debt service, DSCR 1.71. Entry price of $449,999 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $124,326 and $4,145/yr in principal reduction bring total cumulative return to $213,540.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.5% |
| Monthly Cash Flow | $666 | $300 |
City averages based on Carmichael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,450 |
| Total Monthly Debt Service | $2,605 |
| DSCR Ratio | 1.32x |
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
8,576 sqft 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 1960
8,576 sqft 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: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226029104