6220 Gettysburg Ln #11 · Citrus Heights, CA 95621

$120,000

2 bd · 2.0 ba · 756 sqft · Manufactured public records · 7 Days on market

Built 2017

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Rent growth +3.0/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Own for less than you're paying in rent! Newer 2017-built home with 3 beds, 2 baths, open kitchen, new interior paint . .your own home in an ALL-AGES park. Stop throwing money at rent and start building equity in a home that's actually yours. A rare corner lot and a low-maintenance lifestyle at a price that finally makes ownership possible. Inside, the open kitchen flows into a bright, spacious living area. Primary suite is roomy with walk-in closet and attached bath with shower. The storage shed out back handles the overflow so your home stays clutter-free. Stackable laundry and dryer in home so no more trips to the laundry mat. This isn't just a home, it's a community. Take a dip in the p

Key facts

• Walk-in closet
• Storage shed
• Open kitchen

Tags

• OPEN KITCHEN
• CORNER LOT
• BRIGHT SPACIOUS LIVING AREA
• WALK-IN CLOSET
• STORAGE SHED
• STACKABLE LAUNDRY

Property features AI

Finance

• Other: Located at 6220 Gettysburg Ln #11, Citrus Heights, CA 95621; Cross street: Greenback
• Financial info: A land lease amount of $1,193 is recorded
• HOA & community: No homeowners association; Not a senior community; Land lease: No (note: a land lease amount was listed separately)

Exterior

• Parking: Off-street covered parking
• Utilities: Public water service; Public sewer; Electric service includes 220 volts in laundry; Other utilities
• Home design: Manufactured home located in a park; Single-wide layout; Made by Villager Premier; Built in 2017
• Construction: Vinyl skirting
• Exterior features: Composition roof; Corner lot

Interior

• Kitchen: No specific kitchen features listed; Dining area includes a breakfast nook and dining bar
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Linoleum; Other flooring
• Bathrooms: 2 full bathrooms; Bathrooms feature tubs with shower over and separate shower stalls
• Heating & cooling: Central heating; Central air conditioning; Ceiling fans
• Interior features: Corner lot placement; Living room with unspecified additional feature (other)
• Laundry & utility: Stacked washer and dryer included; 220V outlet in laundry area

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $120k.

Deal economics

• At list price, monthly cash flow is $655 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Cap rate 12.8% 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; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 6,825 units permitted in Sacramento County in 2024 (1,752 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 1.9% rent growth), your $34k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

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

Recommended offer $120,000

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. 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.
5. 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.
6. 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: 1.57% ✓
• Cap rate: 12.85%
• Cash-on-cash: 23.41%
• DSCR: 2.04
• GRM: 5.3

CMA / ARV

• ARV (on-the-fly): $61,236
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5935 Auburn Blvd #189	0.26mi	2/2.0	690 (-9%)	2mo	$29,900	$43	71
5935 Auburn Blvd #160	0.20mi	2/1.5	684 (-10%)	4mo	$45,000	$66	70
5935 Auburn Blvd #154	0.26mi	2/1.0	800 (+6%)	8mo	$77,500	$97	68
6222 Gettysburg Ln	0.01mi	2/1.0	672 (-11%)	17mo	$70,000	$104	63
6219 Tyee Ave #142	0.16mi	2/1.0	720 (-5%)	21mo	$59,000	$82	63
6230 Manitoba Ave	0.27mi	2/2.0	842 (+11%)	8mo	$40,000	$48	62
5722 Clearwater Dr #18	0.29mi	1/1.0 (-1)	675 (-11%)	1mo	$54,900	$81	59
6226 Manitoba Ave #70	0.26mi	1/1.0 (-1)	700 (-7%)	12mo	$40,000	$57	56
5935 Auburn Blvd #78	0.26mi	1/1.5 (-1)	672 (-11%)	9mo	$38,000	$57	54
5935 Auburn Blvd #45	0.28mi	2/1.0	840 (+11%)	21mo	$75,000	$89	47

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: 15.2%
• Equity multiple: 1.60×
• Total profit: $20,267
• Equity at exit: $17,892

10-year hold

• IRR: 23.1%
• Equity multiple: 2.88×
• Total profit: $63,255
• Equity at exit: $10,375

Cash invested: $33,600 (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: 5.3×

Monthly cashflow live

• Estimated rent: $1,879 high
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,800/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $655

Break-even live

Break-even rent $1,050

Max offer price $120,000

Occupancy floor 60%

Sensitivity live

Price	-10% $738	-5% $697	+0% $655	+5% $614	+10% $572
Rent	-10% $507	-5% $581	+0% $655	+5% $730	+10% $804
Rate	-1.0pp $716	-0.5pp $686	base $655	+0.5pp $624	+1.0pp $593

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6011 Shadow Ln Citrus Heights, CA	1.0–2.0	1.0–2.0	779	$2,348	$3.01	2d	15	0.25mi
5979 Devecchi Ave Citrus Heights, CA	1.0–2.0	1.0–2.0	775	$1,871	$2.41	2d	15	0.32mi
6430 Verner Ave Sacramento, CA	1.0–2.0	1.0–2.0	705	$2,295	$3.25	24d	1	0.46mi
5844 Garden Park Ct Unit RV 5853-D Carmichael, CA	2.0	1.0	915	$1,525	$1.67	16d	1	0.55mi
5844 Garden Park Ct Unit RV 5877-B Carmichael, CA	2.0	1.0	915	$1,575	$1.72	16d	1	0.55mi
6245 Longford Dr #3 Citrus Heights, CA	2.0	1.0	840	$1,395	$1.66	24d	1	0.57mi
5718 Manzanita Ave Carmichael, CA	2.0	1.0	980	$2,000	$2.04	44d	1	0.60mi
6228 Longford Dr #3 Citrus Heights, CA	2.0	1.0	840	$1,595	$1.90	18d	1	0.61mi
5922 Petaluma Ct Sacramento, CA	2.0	2.0	1048	$2,075	$1.98	2d	1	0.66mi
6544 Auburn Blvd Citrus Heights, CA	2.0	2.0	800	$1,850	$2.31	24d	1	0.68mi
6533 Greenback Ln #3 Citrus Heights, CA	2.0	1.0	840	$1,800	$2.14	24d	1	0.71mi
5840 Garfield Ave Sacramento, CA	2.0	1.0	850	$1,545	$1.82	2d	2	0.76mi
5417 Olympic Way Sacramento, CA	2.0	1.0	920	$1,795	$1.95	15d	1	0.79mi
5587 Keoncrest Cir Unit 2 Sacramento, CA	2.0	1.5	900	$2,000	$2.22	2d	1	0.80mi
5501 Keoncrest Cir Unit 1 Sacramento, CA	2.0	1.0	750	$1,300	$1.73	2d	1	0.84mi
6546 Auburn Blvd Citrus Heights, CA	2.0	1.0	624	$1,853	$2.97	4d	10	0.86mi
6225 Wildomar Way Carmichael, CA	3.0	1.0	1040	$3,000	$2.88	44d	1	1.03mi
5402 Mona Way Sacramento, CA	2.0	1.0	863	$1,750	$2.03	22d	1	1.09mi
6004 Rutland Dr Unit 128 Carmichael, CA	2.0	1.0	900	$1,495	$1.66	4d	1	1.12mi
5109 Andrea Blvd Sacramento, CA	2.0	1.0	828	$1,769	$2.14	2d	2	1.19mi
5308 Winfield Way #2 Sacramento, CA	3.0	1.5	1105	$2,100	$1.90	44d	1	1.20mi
5300 Winfield Way #2 Sacramento, CA	3.0	1.5	1105	$2,100	$1.90	24d	1	1.23mi
6841 Concert Way Sacramento, CA	2.0	2.0	1000	$1,995	$2.00	2d	1	1.24mi
5244 Hackberry Ln Sacramento, CA	2.0	1.0	712	$1,712	$2.41	44d	1	1.28mi
5425 Garfield Ave Sacramento, CA	1.0–2.0	1.0–2.0	787	$1,650	$2.10	20d	5	1.28mi
7024 San Altos Cir Citrus Heights, CA	2.0	2.0	1120	$2,800	$2.50	44d	1	1.31mi
5322 Hemlock St Sacramento, CA	1.0–2.0	1.0	800	$1,875	$2.34	2d	2	1.33mi
5500 Foothill Garden Ct Sacramento, CA	1.0	1.0	750	$1,472	$1.96	2d	2	1.36mi
5233 Columbine Way Carmichael, CA	3.0	2.0	1008	$2,375	$2.36	4d	1	1.37mi
5755 Callie Ln Sacramento, CA	1.0–2.0	1.0–2.0	723	$2,000	$2.76	3d	13	1.42mi
6172 Peoria Dr Citrus Heights, CA	2.0	1.0	917	$1,695	$1.85	4d	1	1.46mi
5226 Hemlock St #35 Sacramento, CA	1.0	1.0	682	$1,650	$2.42	24d	1	1.48mi

Listing history 7 events

1. 2026-06-18
   days on market $120,000 Active 7 DOM
2. 2026-06-17
   days on market $120,000 Active 6 DOM
3. 2026-06-16
   days on market $120,000 Active 5 DOM
4. 2026-06-15
   days on market $120,000 Active 4 DOM
5. 2026-06-13
   days on market $120,000 Active 2 DOM
6. 2026-06-13
   remarks 699-char remark
7. 2026-06-13
   listed $120,000 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 5/10 Major FEMA zone X (unshaded) · 32% 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: $22,552
• − Mortgage interest: −$6,722
• − Property taxes: −$1,800
• − Insurance: −$600
• − Repairs & maintenance: −$1,804
• − Management: −$1,804
• − Depreciation: −$3,491
• Taxable income: $6,331
• Est. tax owed @ 24.0%: −$1,519
• After-tax cash flow: $6,345/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

+6.9%/yr

Latest (2018): $166 · +147.5% YoY. Source: county tax records.