Plan 1882 Plan, Westhaven at Whitney RanchRocklinCA95765
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at Plan 1882 Plan, Westhaven at Whitney Ranch, Rocklin, CA, 95765 in Rocklin is narrow, $128/mo net on $3,545/mo rent after the $2,415/mo debt service, but the property operates at break-even-plus, not a loss. At $536,990 with a 7.92% yield, the long-run equity case via 5% appreciation ($148,360 over five years) and $4,946/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $212,262.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $128 | $1,200 |
City averages based on Rocklin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,545 |
| Total Monthly Debt Service | $3,203 |
| DSCR Ratio | 1.11x |
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: 95765, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,208 (100%) |
| Owner Occupied HU | 10,990 (67.8%) |
| Renter Occupied HU | 4,582 (28.3%) |
| Vacant Housing Units | 636 ( 3.9%) |
| Median Home Value | $720,882 |
| Average Home Value | $783,079 |
Housing Distribution
Address Breakdown
Residential
15,572
Single Family
12,324
Multi-Family
3,248
Businesses
847
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: 95765, Rocklin, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,208 (100%) |
| Owner Occupied HU | 10,990 (67.8%) |
| Renter Occupied HU | 4,582 (28.3%) |
| Vacant Housing Units | 636 ( 3.9%) |
| Median Home Value | $720,882 |
| Average Home Value | $783,079 |
Housing Distribution
Address Breakdown
Residential
15,572
Single Family
12,324
Multi-Family
3,248
Businesses
847
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