7028 Orchard CirPenrynCA95663
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 7028 Orchard Cir, Penryn, CA, 95663 in Penryn. Rental yield 7.92%. The 1.47 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $151,955 and $5,066/yr in principal reduction project total return of $202,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $(114) | $300 |
City averages based on Penryn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,629 |
| Total Monthly Debt Service | $3,524 |
| 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.
Single Family
Built in 2007
6,978 sqft lot
$N/A/sqft
$310 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95663, Penryn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,182 (100%) |
| Owner Occupied HU | 948 (80.2%) |
| Renter Occupied HU | 176 (14.9%) |
| Vacant Housing Units | 58 ( 4.9%) |
| Median Home Value | $911,836 |
| Average Home Value | $987,060 |
Housing Distribution
Address Breakdown
Residential
966
Single Family
962
Multi-Family
4
Businesses
82
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 2007
6,978 sqft lot
$N/A/sqft
$310 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95663, Penryn, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,182 (100%) |
| Owner Occupied HU | 948 (80.2%) |
| Renter Occupied HU | 176 (14.9%) |
| Vacant Housing Units | 58 ( 4.9%) |
| Median Home Value | $911,836 |
| Average Home Value | $987,060 |
Housing Distribution
Address Breakdown
Residential
966
Single Family
962
Multi-Family
4
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jane Miller • Coldwell Banker Realty
Mls Name: MetroList Services of CA
Mls ID: #225057912