6609 Stanley AveCarmichaelCA95608
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 6609 Stanley Ave, Carmichael, CA, 95608 in Carmichael at $1,497,000, 4.99% gross yield, is a market-growth asset. Rental yield 4.99%. The $6,227/mo rent partially funds the $6,731/mo debt service; the core return is the 5%/yr price growth projected to add $413,594 over five years. Ziffy Mortgage's DSCR mortgage (0.93) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $344,072.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.5% |
| Monthly Cash Flow | $(3,507) | $300 |
City averages based on Carmichael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,227 |
| Total Monthly Debt Service | $9,138 |
| DSCR Ratio | 0.68x |
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 2008
1.10 Acres 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 2008
1.10 Acres 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: Carlos Kozlowski • Coldwell Banker Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225009431
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.