1049 Bell St APT 11SacramentoCA95825
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1049 Bell St APT 11, Sacramento, CA, 95825 in Sacramento at $310,000 earns $2,491/mo in rent and nets $37/mo after the $1,394/mo payment, a 9.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,647 over five years. Ziffy Mortgage underwrites this on a 1.79 DSCR without U.S. credit history. With $2,855/yr in principal paydown, total projected return reaches $122,280.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 4.8% |
| Monthly Cash Flow | $37 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,491 |
| Total Monthly Debt Service | $2,331 |
| DSCR Ratio | 1.07x |
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.
Condo
Built in 1992
841 sqft lot
$N/A/sqft
$465 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95825, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,438 (100%) |
| Owner Occupied HU | 4,088 (24.9%) |
| Renter Occupied HU | 11,412 (69.4%) |
| Vacant Housing Units | 938 ( 5.7%) |
| Median Home Value | $445,341 |
| Average Home Value | $466,829 |
Housing Distribution
Address Breakdown
Residential
16,627
Single Family
10,017
Multi-Family
6,610
Businesses
2,099
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
Condo
Built in 1992
841 sqft lot
$N/A/sqft
$465 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95825, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,438 (100%) |
| Owner Occupied HU | 4,088 (24.9%) |
| Renter Occupied HU | 11,412 (69.4%) |
| Vacant Housing Units | 938 ( 5.7%) |
| Median Home Value | $445,341 |
| Average Home Value | $466,829 |
Housing Distribution
Address Breakdown
Residential
16,627
Single Family
10,017
Multi-Family
6,610
Businesses
2,099
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patty Jenco • Town and Country Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225052150
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