6520 Hearthstone Cir #CI434RocklinCA95677
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 6520 Hearthstone Cir #CI434, Rocklin, CA, 95677 in Rocklin achieves 1.56, rent of $2,244/mo covers the $1,438/mo payment 1.5x over at $319,900. Rental yield 8.42%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $88,382 over five years, with $2,946/yr in principal reduction bringing total projected return to $119,195.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $(55) | $1,200 |
City averages based on Rocklin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,244 |
| Total Monthly Debt Service | $2,172 |
| DSCR Ratio | 1.03x |
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 2006
841 sqft lot
$N/A/sqft
$320 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95677, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,885 (100%) |
| Owner Occupied HU | 7,676 (64.6%) |
| Renter Occupied HU | 3,614 (30.4%) |
| Vacant Housing Units | 595 ( 5.0%) |
| Median Home Value | $674,372 |
| Average Home Value | $721,423 |
Housing Distribution
Address Breakdown
Residential
11,244
Single Family
9,287
Multi-Family
1,957
Businesses
1,384
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 2006
841 sqft lot
$N/A/sqft
$320 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95677, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,885 (100%) |
| Owner Occupied HU | 7,676 (64.6%) |
| Renter Occupied HU | 3,614 (30.4%) |
| Vacant Housing Units | 595 ( 5.0%) |
| Median Home Value | $674,372 |
| Average Home Value | $721,423 |
Housing Distribution
Address Breakdown
Residential
11,244
Single Family
9,287
Multi-Family
1,957
Businesses
1,384
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices