10645 Calvine RdSacramentoCA95830
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play10645 Calvine Rd, Sacramento, CA, 95830 in Sacramento is priced for appreciation, not yield. Rental yield 5.78%. At $999,999 with a 5.78% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $276,281 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.07) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $291,006.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 4.8% |
| Monthly Cash Flow | $(1,371) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,816 |
| Total Monthly Debt Service | $5,788 |
| DSCR Ratio | 0.83x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1986
4.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95830, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 294 (100%) |
| Owner Occupied HU | 212 (72.1%) |
| Renter Occupied HU | 56 (19.0%) |
| Vacant Housing Units | 26 ( 8.8%) |
| Median Home Value | $906,863 |
| Average Home Value | $971,509 |
Housing Distribution
Address Breakdown
Residential
274
Single Family
274
Multi-Family
0
Businesses
5
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 1986
4.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95830, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 294 (100%) |
| Owner Occupied HU | 212 (72.1%) |
| Renter Occupied HU | 56 (19.0%) |
| Vacant Housing Units | 26 ( 8.8%) |
| Median Home Value | $906,863 |
| Average Home Value | $971,509 |
Housing Distribution
Address Breakdown
Residential
274
Single Family
274
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Miawand Bayan • Pure Homes
Mls Name: MetroList Services of CA
Mls ID: #225117303