847 Polar Bear CirGaltCA95632
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.41% yield at 847 Polar Bear Cir, Galt, CA, 95632 in Galt is solid, but the $1,907/mo payment compresses net cash flow to $57/mo at $424,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $117,143 by year five, and $3,905/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.56) without U.S. income documentation. Total projected return: $165,715.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.5% |
| Monthly Cash Flow | $57 | $2,300 |
City averages based on Galt market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,970 |
| Total Monthly Debt Service | $2,744 |
| DSCR Ratio | 1.08x |
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 2004
1,738 sqft lot
$N/A/sqft
$290 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95632, Galt, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,623 (100%) |
| Owner Occupied HU | 7,874 (74.1%) |
| Renter Occupied HU | 2,455 (23.1%) |
| Vacant Housing Units | 294 ( 2.8%) |
| Median Home Value | $573,267 |
| Average Home Value | $591,013 |
Housing Distribution
Address Breakdown
Residential
10,492
Single Family
10,126
Multi-Family
366
Businesses
620
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 2004
1,738 sqft lot
$N/A/sqft
$290 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95632, Galt, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,623 (100%) |
| Owner Occupied HU | 7,874 (74.1%) |
| Renter Occupied HU | 2,455 (23.1%) |
| Vacant Housing Units | 294 ( 2.8%) |
| Median Home Value | $573,267 |
| Average Home Value | $591,013 |
Housing Distribution
Address Breakdown
Residential
10,492
Single Family
10,126
Multi-Family
366
Businesses
620
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Miyo Freeman • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225017268
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