656 Silo StFolsomCA95630
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing656 Silo St, Folsom, CA, 95630 in Folsom is a stable, well-positioned rental at $779,000. Rental yield 6.15%. DSCR 1.14 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $215,223 in value and $7,175/yr in principal paydown builds equity, a total projected return of $242,087.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 5.5% |
| Monthly Cash Flow | $(948) | $300 |
City averages based on Folsom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,991 |
| Total Monthly Debt Service | $4,509 |
| DSCR Ratio | 0.89x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2021
3,293 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95630, Folsom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 34,418 (100%) |
| Owner Occupied HU | 22,461 (65.3%) |
| Renter Occupied HU | 9,898 (28.8%) |
| Vacant Housing Units | 2,059 ( 6.0%) |
| Median Home Value | $732,244 |
| Average Home Value | $749,661 |
Housing Distribution
Address Breakdown
Residential
32,491
Single Family
26,905
Multi-Family
5,586
Businesses
2,075
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 2021
3,293 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95630, Folsom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 34,418 (100%) |
| Owner Occupied HU | 22,461 (65.3%) |
| Renter Occupied HU | 9,898 (28.8%) |
| Vacant Housing Units | 2,059 ( 6.0%) |
| Median Home Value | $732,244 |
| Average Home Value | $749,661 |
Housing Distribution
Address Breakdown
Residential
32,491
Single Family
26,905
Multi-Family
5,586
Businesses
2,075
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Boston • GBR Real Estate & Inv. Co.
Mls Name: MetroList Services of CA
Mls ID: #226017514