2312 Fairfield StSacramentoCA95815
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2312 Fairfield St, Sacramento, CA, 95815 in Sacramento is narrow, $44/mo net on $2,209/mo rent after the $1,483/mo debt service, but the property operates at break-even-plus, not a loss. At $329,900 with a 7.58% yield, the long-run equity case via 5% appreciation ($91,145 over five years) and $3,038/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $135,931.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.8% |
| Monthly Cash Flow | $44 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,209 |
| Total Monthly Debt Service | $1,910 |
| DSCR Ratio | 1.16x |
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.
Single Family
Built in 1930
6,375 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95815, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,650 (100%) |
| Owner Occupied HU | 3,553 (33.4%) |
| Renter Occupied HU | 6,447 (60.5%) |
| Vacant Housing Units | 650 ( 6.1%) |
| Median Home Value | $362,956 |
| Average Home Value | $442,454 |
Housing Distribution
Address Breakdown
Residential
9,669
Single Family
7,774
Multi-Family
1,895
Businesses
1,611
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 1930
6,375 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95815, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,650 (100%) |
| Owner Occupied HU | 3,553 (33.4%) |
| Renter Occupied HU | 6,447 (60.5%) |
| Vacant Housing Units | 650 ( 6.1%) |
| Median Home Value | $362,956 |
| Average Home Value | $442,454 |
Housing Distribution
Address Breakdown
Residential
9,669
Single Family
7,774
Multi-Family
1,895
Businesses
1,611
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lily Chow • Infinite Realty & Investments
Mls Name: MLSListings Inc
Mls ID: #ML82018079