6439 Rolling WayCarmichaelCA95608
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.74% yield at 6439 Rolling Way, Carmichael, CA, 95608 in Carmichael is solid, but the $2,586/mo payment compresses net cash flow to $152/mo at $575,000. 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 $158,862 by year five, and $5,296/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $227,803.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $152 | $300 |
City averages based on Carmichael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,709 |
| Total Monthly Debt Service | $3,328 |
| DSCR Ratio | 1.11x |
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 1969
8,777 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95608, Carmichael, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,709 (100%) |
| Owner Occupied HU | 14,281 (53.5%) |
| Renter Occupied HU | 11,321 (42.4%) |
| Vacant Housing Units | 1,107 ( 4.1%) |
| Median Home Value | $647,950 |
| Average Home Value | $694,684 |
Housing Distribution
Address Breakdown
Residential
26,225
Single Family
20,955
Multi-Family
5,270
Businesses
1,174
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 1969
8,777 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95608, Carmichael, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,709 (100%) |
| Owner Occupied HU | 14,281 (53.5%) |
| Renter Occupied HU | 11,321 (42.4%) |
| Vacant Housing Units | 1,107 ( 4.1%) |
| Median Home Value | $647,950 |
| Average Home Value | $694,684 |
Housing Distribution
Address Breakdown
Residential
26,225
Single Family
20,955
Multi-Family
5,270
Businesses
1,174
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Parm Atwal • KW Sac Metro
Mls Name: MetroList Services of CA
Mls ID: #225153335