5542 Thomson LoopDavisCA95616
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5542 Thomson Loop, Davis, CA, 95616 in Davis is priced for appreciation, not yield. Rental yield 5.48%. At $799,990 with a 5.48% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $221,022 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.02) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $195,904.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.0% |
| Monthly Cash Flow | $(1,697) | $300 |
City averages based on Davis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,652 |
| Total Monthly Debt Service | $5,031 |
| DSCR Ratio | 0.73x |
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 2024
4,434 sqft lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95616, Davis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,503 (100%) |
| Owner Occupied HU | 6,558 (33.6%) |
| Renter Occupied HU | 11,585 (59.4%) |
| Vacant Housing Units | 1,360 ( 7.0%) |
| Median Home Value | $848,099 |
| Average Home Value | $889,395 |
Housing Distribution
Address Breakdown
Residential
17,724
Single Family
11,603
Multi-Family
6,121
Businesses
1,221
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 2024
4,434 sqft lot
$N/A/sqft
$400 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95616, Davis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,503 (100%) |
| Owner Occupied HU | 6,558 (33.6%) |
| Renter Occupied HU | 11,585 (59.4%) |
| Vacant Housing Units | 1,360 ( 7.0%) |
| Median Home Value | $848,099 |
| Average Home Value | $889,395 |
Housing Distribution
Address Breakdown
Residential
17,724
Single Family
11,603
Multi-Family
6,121
Businesses
1,221
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lori Sanson • DeNova Home Sales Inc
Mls Name: BAREIS
Mls Provider:
Mls ID: #224118405
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.