8460 Laurel LnGranite BayCA95746
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 8460 Laurel Ln, Granite Bay, CA, 95746 in Granite Bay is a conservative rental investment at $1,099,000. Rental yield 6.1%. A 1.13 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $303,633; $10,122/yr in principal paydown supplements. Total projected return: $325,147.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 5.0% |
| Monthly Cash Flow | $(1,439) | $300 |
City averages based on Granite Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,590 |
| Total Monthly Debt Service | $6,591 |
| DSCR Ratio | 0.85x |
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 1965
0.68 Acres lot
$N/A/sqft
$230 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95746, Granite Bay, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,404 (100%) |
| Owner Occupied HU | 7,188 (85.5%) |
| Renter Occupied HU | 884 (10.5%) |
| Vacant Housing Units | 332 ( 4.0%) |
| Median Home Value | $1,008,308 |
| Average Home Value | $1,138,256 |
Housing Distribution
Address Breakdown
Residential
8,175
Single Family
8,096
Multi-Family
79
Businesses
771
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 1965
0.68 Acres lot
$N/A/sqft
$230 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95746, Granite Bay, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,404 (100%) |
| Owner Occupied HU | 7,188 (85.5%) |
| Renter Occupied HU | 884 (10.5%) |
| Vacant Housing Units | 332 ( 4.0%) |
| Median Home Value | $1,008,308 |
| Average Home Value | $1,138,256 |
Housing Distribution
Address Breakdown
Residential
8,175
Single Family
8,096
Multi-Family
79
Businesses
771
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices