97 Scott Ct #120FolsomCA95630
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 97 Scott Ct #120, Folsom, CA, 95630 in Folsom hard to pass up. The 23.39% gross yield on a $179,000 purchase results in $3,490/mo in rent and $2,382/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (4.34). Annual cash flow of $28,587, five-year appreciation of $49,454, and $1,649/yr in equity build-up combine for a projected total cumulative return of $221,199.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.4% | 5.5% |
| Monthly Cash Flow | $2,382 | $300 |
City averages based on Folsom market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,490 |
| Total Monthly Debt Service | $1,036 |
| DSCR Ratio | 3.37x |
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.
Manufactured
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95630, Folsom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 34,418 (100%) |
| Owner Occupied HU | 22,461 (65.3%) |
| Renter Occupied HU | 9,898 (28.8%) |
| Vacant Housing Units | 2,059 ( 6.0%) |
| Median Home Value | $732,244 |
| Average Home Value | $749,661 |
Housing Distribution
Address Breakdown
Residential
32,491
Single Family
26,905
Multi-Family
5,586
Businesses
2,075
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
Manufactured
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95630, Folsom, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 34,418 (100%) |
| Owner Occupied HU | 22,461 (65.3%) |
| Renter Occupied HU | 9,898 (28.8%) |
| Vacant Housing Units | 2,059 ( 6.0%) |
| Median Home Value | $732,244 |
| Average Home Value | $749,661 |
Housing Distribution
Address Breakdown
Residential
32,491
Single Family
26,905
Multi-Family
5,586
Businesses
2,075
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices