640 Arcadia DrVacavilleCA95687
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 10.76% yield at 640 Arcadia Dr, Vacaville, CA, 95687 in Vacaville is solid, but the $1,344/mo payment compresses net cash flow to $115/mo at $299,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $82,608 by year five, and $2,754/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.99) without U.S. income documentation. Total projected return: $124,008.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.0% |
| Monthly Cash Flow | $115 | $1,000 |
City averages based on Vacaville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,681 |
| Total Monthly Debt Service | $2,446 |
| DSCR Ratio | 1.10x |
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 1989
0.50 Acres lot
$N/A/sqft
$560 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95687, Vacaville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,485 (100%) |
| Owner Occupied HU | 15,822 (62.1%) |
| Renter Occupied HU | 8,727 (34.2%) |
| Vacant Housing Units | 936 ( 3.7%) |
| Median Home Value | $629,346 |
| Average Home Value | $639,270 |
Housing Distribution
Address Breakdown
Residential
25,066
Single Family
20,621
Multi-Family
4,445
Businesses
878
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 1989
0.50 Acres lot
$N/A/sqft
$560 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95687, Vacaville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,485 (100%) |
| Owner Occupied HU | 15,822 (62.1%) |
| Renter Occupied HU | 8,727 (34.2%) |
| Vacant Housing Units | 936 ( 3.7%) |
| Median Home Value | $629,346 |
| Average Home Value | $639,270 |
Housing Distribution
Address Breakdown
Residential
25,066
Single Family
20,621
Multi-Family
4,445
Businesses
878
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices