6100 Shadow LnCitrus HeightsCA95621
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 6100 Shadow Ln, Citrus Heights, CA, 95621 in Citrus Heights. At $329,000 it earns $2,584/mo in rent and distributes $548/mo to the owner after the $1,479/mo payment, a consistent 9.42% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $90,897 in value; $3,030/yr in principal paydown compounds ownership stake. Total projected return: $160,127.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $548 | $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 | $2,584 |
| Total Monthly Debt Service | $1,904 |
| DSCR Ratio | 1.36x |
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.
Condo
Built in 1973
1,010 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95621, Citrus Heights, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,605 (100%) |
| Owner Occupied HU | 10,893 (61.9%) |
| Renter Occupied HU | 6,017 (34.2%) |
| Vacant Housing Units | 695 ( 3.9%) |
| Median Home Value | $452,182 |
| Average Home Value | $504,245 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
15,473
Multi-Family
1,820
Businesses
408
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
Condo
Built in 1973
1,010 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95621, Citrus Heights, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,605 (100%) |
| Owner Occupied HU | 10,893 (61.9%) |
| Renter Occupied HU | 6,017 (34.2%) |
| Vacant Housing Units | 695 ( 3.9%) |
| Median Home Value | $452,182 |
| Average Home Value | $504,245 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
15,473
Multi-Family
1,820
Businesses
408
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Che Canyon • Century 21 Select Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225127559