240 Sacramento Ave #22Hamilton CityCA95951
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 240 Sacramento Ave #22, Hamilton City, CA, 95951 in Hamilton City is narrow, $162/mo net on $789/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $105,000 with a 9.28% yield, the long-run equity case via 5% appreciation ($29,010 over five years) and $967/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $48,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $162 | $1,200 |
City averages based on Hamilton City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $789 |
| Total Monthly Debt Service | $608 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95951, Hamilton City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 719 (100%) |
| Owner Occupied HU | 401 (55.8%) |
| Renter Occupied HU | 289 (40.2%) |
| Vacant Housing Units | 29 ( 4.0%) |
| Median Home Value | $447,152 |
| Average Home Value | $495,605 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
38
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95951, Hamilton City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 719 (100%) |
| Owner Occupied HU | 401 (55.8%) |
| Renter Occupied HU | 289 (40.2%) |
| Vacant Housing Units | 29 ( 4.0%) |
| Median Home Value | $447,152 |
| Average Home Value | $495,605 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy Kosmerl • Hamilton City Mobile Home Community
Mls Name: My State MLS
Mls ID: #11490209