7110 Stella Ln UNIT 16CarmichaelCA95608
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowMost investment properties struggle to clear the 1.25x DSCR minimum. 7110 Stella Ln UNIT 16, Carmichael, CA, 95608 in Carmichael clears it at 1.86, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 10.03%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $82,608; $2,754/yr in principal equity; total projected return: $111,288.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.5% |
| Monthly Cash Flow | $(84) | $300 |
City averages based on Carmichael market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,500 |
| Total Monthly Debt Service | $2,464 |
| DSCR Ratio | 1.01x |
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
N/A lot
$N/A/sqft
$595 monthly 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
Condo
Built in 2006
N/A lot
$N/A/sqft
$595 monthly 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: Sandra Moreno • Sandra Moreno Realty
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225038764
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