USDV Capital
Florin real estate

Florin

Florin, Sacramento County · Sacramento-Roseville-Folsom, CA

Median Home Value

$413,296

-1.7%

Est. Cap Rate

4.2%

Based on rent yield × 65%

Vacancy Rate

3.9%

55% owner-occupied

Population

50K

Median income: $66,323

C
48/100Hold

Investment ScoreFlorin

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate4.2%
Rent Yield6.4%
Affordability$413,296
Occupancy96.1%
Appreciation-1.7%

Florin Investment Analysis

Florin (population 50K) offers median home values of $413,296 — positioning it as a mid-range opportunity for investors. The 4.2% cap rate indicates solid cash flow potential with room for value appreciation — a balanced market for both rental and value-add strategies. A modest 1.7% year-over-year decline suggests the market is cooling — favorable for buyers negotiating from strength. A healthy 45% renter population supports median rents of $2,193/month, providing reliable income streams for buy-and-hold investors.

Market Profile
Avg: 55/100
Cash Flow4.2% cap
Appreciation-1.7% YoY
Affordability$413K
Occupancy96.1% occ.
Rent Yield6.4%
Employment99.7%
Price vs. Rent Analysis
Price-to-Rent Ratio15.7x
Cash FlowBalancedAppreciation

Balanced market — moderate cash flow with appreciation upside

Median Home Value

Zillow ZHVI

$413,296
Median Monthly Rent

Zillow ZORI

$2,193
Annual Rent
$26,316
Gross Rent Yield

Annual rent ÷ home value

6.4%

Market Details

Housing Stock

16K units

Single-family: 10K

Multifamily: 3K (20.7%)

Investment Metrics

Gross Yield 6.4%

Cap Rate 4.2%

Price-to-Rent 15.7 (Balanced)

Property Tax $2,322/yr

Demographics

Median Income $66,323

Median Age 35.5

Employment 99.7%

Home Value Trends

1-Year Appreciation -1.7%

3-Year Appreciation +3.1%

5-Year Appreciation +21.8%

Rental Market

$2,193/mo

Renter population: 44.6%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population50K

6K/sq mi

Median Income$66,323

$27,497 per capita

Employment99.7%

8.2% unemployment

Occupancy96.1%

44.6% renters

College Educated13.7%
Median Age: 35.516K Housing UnitsMedian Built: 1984
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Property Details

$413,296
$100K$2M
25% ($103,324)
15%50%
7.50%
6%10%
$2,193

Investment Projection

Monthly Cash Flow

-$491

Cash-on-Cash

-5.7%

DSCR Ratio

1.01

Annual Cash Flow

-$5,892

Monthly P&I: $2,167 | Est. Expenses: $517

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Florin Investment Report

Comprehensive city market analysis

+12.4%
$485K
8.2%
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Make data-driven investment decisions with our comprehensive city report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Florin deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
Get Pre-Qualified
Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
Get Pre-Qualified
Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
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DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
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Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
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Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Florin opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000