8905 J Sheehan StElk GroveCA95624
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 8905 J Sheehan St, Elk Grove, CA, 95624 in Elk Grove at $603,603 earns $3,961/mo in rent and nets $189/mo after the $2,714/mo payment, a 7.88% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $166,764 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $5,559/yr in principal paydown, total projected return reaches $241,239.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $189 | $300 |
City averages based on Elk Grove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,961 |
| Total Monthly Debt Service | $3,532 |
| DSCR Ratio | 1.12x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95624, Elk Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,173 (100%) |
| Owner Occupied HU | 16,020 (75.7%) |
| Renter Occupied HU | 4,639 (21.9%) |
| Vacant Housing Units | 514 ( 2.4%) |
| Median Home Value | $635,804 |
| Average Home Value | $673,355 |
Housing Distribution
Address Breakdown
Residential
21,177
Single Family
20,165
Multi-Family
1,012
Businesses
1,132
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95624, Elk Grove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,173 (100%) |
| Owner Occupied HU | 16,020 (75.7%) |
| Renter Occupied HU | 4,639 (21.9%) |
| Vacant Housing Units | 514 ( 2.4%) |
| Median Home Value | $635,804 |
| Average Home Value | $673,355 |
Housing Distribution
Address Breakdown
Residential
21,177
Single Family
20,165
Multi-Family
1,012
Businesses
1,132
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • KB Home
Mls Name: KB Home
Mls Provider:
Mls ID: #N/A