5428 Reisling WayCitrus HeightsCA95610
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 5428 Reisling Way, Citrus Heights, CA, 95610 in Citrus Heights achieves 1.55, rent of $2,438/mo covers the $1,573/mo payment 1.5x over at $349,900. Rental yield 8.36%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $96,671 over five years, with $3,223/yr in principal reduction bringing total projected return to $124,306.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(160) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,438 |
| Total Monthly Debt Service | $2,459 |
| DSCR Ratio | 0.99x |
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.
Multi Family
Built in 1973
1,673 sqft lot
$N/A/sqft
$434 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95610, Citrus Heights, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,765 (100%) |
| Owner Occupied HU | 9,405 (50.1%) |
| Renter Occupied HU | 8,579 (45.7%) |
| Vacant Housing Units | 781 ( 4.2%) |
| Median Home Value | $540,894 |
| Average Home Value | $571,136 |
Housing Distribution
Address Breakdown
Residential
18,601
Single Family
14,820
Multi-Family
3,781
Businesses
1,044
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
Multi Family
Built in 1973
1,673 sqft lot
$N/A/sqft
$434 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95610, Citrus Heights, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,765 (100%) |
| Owner Occupied HU | 9,405 (50.1%) |
| Renter Occupied HU | 8,579 (45.7%) |
| Vacant Housing Units | 781 ( 4.2%) |
| Median Home Value | $540,894 |
| Average Home Value | $571,136 |
Housing Distribution
Address Breakdown
Residential
18,601
Single Family
14,820
Multi-Family
3,781
Businesses
1,044
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emily Lockhart • GUIDE Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225068268
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