626 Equinox LoopLincolnCA95648
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 626 Equinox Loop, Lincoln, CA, 95648 in Lincoln at $495,000 earns $3,202/mo in rent and nets $139/mo after the $2,226/mo payment, a 7.76% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $136,759 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $4,559/yr in principal paydown, total projected return reaches $196,685.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.5% |
| Monthly Cash Flow | $139 | $350 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,202 |
| Total Monthly Debt Service | $2,865 |
| DSCR Ratio | 1.12x |
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 2005
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95648, Lincoln, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,614 (100%) |
| Owner Occupied HU | 19,608 (79.7%) |
| Renter Occupied HU | 3,889 (15.8%) |
| Vacant Housing Units | 1,117 ( 4.5%) |
| Median Home Value | $687,520 |
| Average Home Value | $748,845 |
Housing Distribution
Address Breakdown
Residential
23,486
Single Family
22,958
Multi-Family
528
Businesses
1,021
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 2005
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95648, Lincoln, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,614 (100%) |
| Owner Occupied HU | 19,608 (79.7%) |
| Renter Occupied HU | 3,889 (15.8%) |
| Vacant Housing Units | 1,117 ( 4.5%) |
| Median Home Value | $687,520 |
| Average Home Value | $748,845 |
Housing Distribution
Address Breakdown
Residential
23,486
Single Family
22,958
Multi-Family
528
Businesses
1,021
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Claudia Vyhmeister • GUIDE Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225120609