7126 Daisy Ln · Citrus Heights, CA 95621

$265,900

3 bd · 2.0 ba · 1,755 sqft · Manufactured public records · 6 Days on market

Built 1990 Est $179k · 49% over

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +18.0/30.0
• DSCR +5.6/10.0
• 1% rule +4.8/10.0
• Schools +4.4/10.0
• Rent growth +3.0/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Discover your perfect oasis at 7126 Daisy Ln in Citrus Heights' premier 55+ park. One of the finest in the county! This bright, move-in-ready 3-bed, 2-full-bath ranch-style home beams with tons of natural light, a welcoming kitchen, and an incredibly spacious bathroom featuring double vanity and generous walk-in shower. Step outside to your private yard, sunny patio, and charming porch, where the birds hold their daily singing competitions (no tickets required). Quietly tucked away yet minutes from Walmart, Costco, and grocery stores, the community delights with a gorgeous on-site lake and scenic walking trail, a sparkling pool, and lively happy hour at the clubhouse. Complete with laundry

Key facts

• On-site lake
• Charming porch
• Sunny patio

Tags

• PRIVATE YARD
• SUNNY PATIO
• CHARMING PORCH
• ON-SITE LAKE
• SCENIC WALKING TRAIL

Property features AI

Finance

• Financial info: Land lease amount listed (refer to remarks) — $1,227
• HOA & community: No homeowners association; Senior community

Exterior

• Parking: Attached parking
• Utilities: 220 volts in laundry; Electric: other; Sewer: other; Water: other; Not a land lease (land lease flag: No)
• Home design: Manufactured home in park (double wide); Built in 1990; Silvercrest (Delaware Western) manufacturer
• Construction: Composition roof; Double wide manufactured construction; Manufacturer: Delaware Western (Silvercrest)
• Exterior features: Composition roof; Lot details: see remarks

Interior

• Kitchen: Pantry cabinet; Skylight in kitchen
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooring
• Bathrooms: 2 full bathrooms; Bathroom skylight/solar tube
• Heating & cooling: Central heating; Central air conditioning; Ceiling fans
• Interior features: Vaulted/great room living area; Dining and living area combined; Pantry cabinet in kitchen; Kitchen skylight; Skylight or solar tube in bathroom
• Laundry & utility: Washer and dryer included; Laundry located inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $266k.

Deal economics

• At list price, monthly cash flow is $227 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $261k (1.7% below list).
• Recommended offer: $261k (1.7% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 3.4% in Citrus Heights — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 60/100 on livability (#614 in CA) — a middle-class / working-renter tenant base. Strengths: housing A+; Watch: schools D, crime D-, amenities F.
• San Juan Unified (suburban): math 40% / reading 62% proficiency, ranked #138 of 517 in CA (top 27%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.9%/yr); 210 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 6,825 units permitted in Sacramento County in 2024 (1,752 in 5+ unit buildings).
• This rent runs 39% of the median local income ($81k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Sacramento County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $261,306 (1.7% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
3. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.98% ✗
• Cap rate: 7.32%
• Cash-on-cash: 3.65%
• DSCR: 1.16
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $179,010
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6946 Wake Forest Ln #2012	0.24mi	3/2.0	1,792 (+2%)	2mo	$250,000	$140	84
6924 Grand Tree Ln	0.07mi	3/2.0	1,848 (+5%)	5mo	$229,000	$124	84
6941 Radiance Cir	0.37mi	3/2.0	1,753 (-0%)	7mo	$167,000	$95	77
6912 Daisy Ln	0.29mi	2/2.0 (-1)	1,707 (-3%)	3mo	$239,500	$140	75
6937 Radiance Cir	0.39mi	3/2.0	1,747 (-0%)	9mo	$145,000	$83	73
6732 Alden Ln	0.31mi	2/2.0 (-1)	1,800 (+3%)	10mo	$165,000	$92	68
6104 Meiggs Ct	0.45mi	2/2.0 (-1)	1,856 (+6%)	3mo	$199,000	$107	62
6105 Meiggs Ct #1015	0.46mi	2/2.0 (-1)	1,645 (-6%)	4mo	$160,000	$97	60
6937 Grand Tree Ln	0.11mi	2/2.0 (-1)	1,495 (-15%)	6mo	$169,500	$113	60
6637 Grosse Point Ct	0.45mi	3/2.0	1,536 (-12%)	1mo	$95,000	$62	58
6181 Oak Lakes Ln	0.55mi	3/2.0	1,896 (+8%)	5mo	$192,500	$102	57
6845 Caywood Ct	0.43mi	2/2.0 (-1)	1,536 (-12%)	2mo	$150,000	$98	52

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 1.9% rent growth · sell at horizon

5-year hold

• IRR: -11.8%
• Equity multiple: 0.58×
• Total profit: $-31,467
• Equity at exit: $39,647

10-year hold

• IRR: -4.3%
• Equity multiple: 0.73×
• Total profit: $-20,128
• Equity at exit: $22,990

Cash invested: $74,452 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 95621

• Rents YoY: 1.9%
• Active inventory: 210
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $2,613 high
• Mortgage (P&I): −$1,394
• Tax est. 1.5%: −$332 /mo · $3,988/yr
• Insurance: −$111
• HOA: −$0
• Vacancy / Maint / Mgmt: −$549
• Net cashflow: $227

Break-even live

Break-even rent $2,326

Max offer price $265,900

Occupancy floor 86%

Sensitivity live

Price	-10% $410	-5% $319	+0% $227	+5% $135	+10% $43
Rent	-10% $20	-5% $124	+0% $227	+5% $330	+10% $433
Rate	-1.0pp $361	-0.5pp $294	base $227	+0.5pp $158	+1.0pp $88

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $66,475
• Closing costs: $7,977
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6319 Misty Wood Way Citrus Heights, CA	3.0	2.0	1454	$2,500	$1.72	44d	1	0.21mi
6940 Trailride Way Citrus Heights, CA	3.0	2.0	1527	$2,695	$1.76	44d	1	0.27mi
6948 Trailride Way Citrus Heights, CA	4.0	3.0	1980	$2,850	$1.44	18d	1	0.27mi
6948 Sunburst Way Citrus Heights, CA	4.0	2.5	1673	$3,000	$1.79	44d	1	0.28mi
7120 Van Maren Ln Citrus Heights, CA	3.0	2.0	1292	$2,495	$1.93	18d	1	0.43mi
6805 Castillo Ct Citrus Heights, CA	4.0	3.0	1948	$2,795	$1.43	24d	1	0.59mi
6219 Oak Valley Ln Citrus Heights, CA	3.0	2.5	1304	$2,295	$1.76	44d	1	0.73mi
6219 Oak Valley Ln Citrus Heights, CA	3.0	3.0	1304	$2,295	$1.76	18d	1	0.73mi
6203 Ackland Ct Citrus Heights, CA	3.0	1.5	1322	$2,500	$1.89	24d	1	0.88mi
6687 Greenback Ln Citrus Heights, CA	3.0	2.0	1323	$2,495	$1.89	18d	1	0.89mi
7632 Van Maren Ln Unit 1 Citrus Heights, CA	4.0	2.0	1300	$2,495	$1.92	15d	1	1.00mi
6025 Dewey Dr Citrus Heights, CA	3.0	2.0	1847	$2,500	$1.35	24d	1	1.04mi
6034 Centurion Cir Citrus Heights, CA	4.0	2.0	1726	$3,100	$1.80	44d	1	1.04mi
6558 Meadowcreek Way Citrus Heights, CA	3.0	2.0	1304	$2,500	$1.92	44d	1	1.14mi
6913 Gold Run Ave Sacramento, CA	4.0	2.0	1474	$2,800	$1.90	21d	1	1.45mi
6333 Aslin Way Carmichael, CA	4.0	2.0	1257	$2,750	$2.19	44d	1	1.46mi

Listing history 7 events

1. 2026-06-07
   statusdays on market $265,900 Pending 6 DOM
2. 2026-06-05
   days on market $265,900 Active 5 DOM
3. 2026-06-03
   days on market $265,900 Active 4 DOM
4. 2026-06-02
   days on market $265,900 Active 3 DOM
5. 2026-06-01
   days on market $265,900 Active 2 DOM
6. 2026-05-31
   remarks 699-char remark
7. 2026-05-31
   listed $265,900 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥102°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 10/10 Extreme 34 unhealthy d/yr today · 36 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,357
• − Mortgage interest: −$14,895
• − Property taxes: −$3,988
• − Insurance: −$1,330
• − Repairs & maintenance: −$2,509
• − Management: −$2,509
• − Depreciation: −$7,735
• Taxable loss: −$1,608
• Est. tax savings @ 24.0%: +$386
• After-tax cash flow: $3,107/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: San Juan Unified
• NCES district ID: 0634620
• Math proficiency: 40% ▲ 3.00%
• Reading proficiency: 62% ▲ 16.00%
• Median HH income: $55,655
• Composite: 44.07/100
• National rank: #2878
• State rank: #138 of 517 in CA

Livability — Citrus Heights

• Score: 60/100
• State rank: #614
• US rank: #19580

Category grades

Amenities F Commute F Cost of living F Crime D- Employment B- Housing A+ Health & safety F User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Citrus Heights, CA
• County: Sacramento County · 1,539,646 people
• City population: 89,370
• Metro: Sacramento-Roseville-Folsom, CA
• Population (ZIP): 42,442
• Household income: $80,901
• Rent vs Own: 31.9% rent · 68.1% own
• Severe rent burden: 1854.0

Population outlook (Sacramento County) Hauer SSP2

• Today (2025): 1,660,763 people
• By 2030: 1,732,990 · +4.3%
• By 2040: 1,855,755 · +11.7%
• By 2050: 1,941,335 · +16.9%
• By 2075: 2,046,162 · +23.2%
• By 2100: 1,961,444 · +18.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Hispanic / Latino 19% Two or more races 11% Asian 6% Black 2%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Subsaharan African 3% Lithuanian 3% Scotch-Irish 2%
• Foreign-born: 15% · Canada, Vietnam
• Languages at home: 78% English-only · Spanish 10% Russian/Polish/Slavic 6% Other Indo-European 3%

Political lean MEDSL · Sacramento

• 2024 margin: D (+19.7) · D 58.1% · R 38.4% · Other 3.5%
• 2008→2024 swing: +0.7pp no change · 2008: 19.0pp · 2024: 19.7pp
• All cycles: 2024: D+19.7 2020: D+25.3 2016: D+23.7 2012: D+16.3 2008: D+19.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -408.14%
• Current HPI: 351.9333
• Rent YoY: ▲ 1.90%
• Metro: Sacramento-Roseville-Folsom, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Property tax history

+0.2%/yr

Latest (2025): $508 · -4.0% YoY. Source: county tax records.