6305 Whitecliff WayNorth HighlandsCA95660
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 6305 Whitecliff Way, North Highlands, CA, 95660 in North Highlands at $389,000 earns $2,558/mo in rent and nets $128/mo after the $1,749/mo payment, a 7.89% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $107,474 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $3,583/yr in principal paydown, total projected return reaches $155,841.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.0% |
| Monthly Cash Flow | $128 | $1,200 |
City averages based on North Highlands market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,558 |
| Total Monthly Debt Service | $2,275 |
| 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 1970
6,098 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95660, North Highlands, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,007 (100%) |
| Owner Occupied HU | 6,050 (55.0%) |
| Renter Occupied HU | 4,542 (41.3%) |
| Vacant Housing Units | 415 ( 3.8%) |
| Median Home Value | $371,616 |
| Average Home Value | $455,805 |
Housing Distribution
Address Breakdown
Residential
10,870
Single Family
9,709
Multi-Family
1,161
Businesses
1,064
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 1970
6,098 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95660, North Highlands, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,007 (100%) |
| Owner Occupied HU | 6,050 (55.0%) |
| Renter Occupied HU | 4,542 (41.3%) |
| Vacant Housing Units | 415 ( 3.8%) |
| Median Home Value | $371,616 |
| Average Home Value | $455,805 |
Housing Distribution
Address Breakdown
Residential
10,870
Single Family
9,709
Multi-Family
1,161
Businesses
1,064
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carla Shryock • Gold Group Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225032662
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