3122 San Jose WaySacramentoCA95817
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3122 San Jose Way, Sacramento, CA, 95817 in Sacramento speaks for itself: 13.42% gross on a $382,500 price, generating $4,279/mo in rent and $1,913/mo in net income after the $1,720/mo debt service. DSCR 2.49, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,956 stacks alongside $105,678 in projected five-year appreciation and $3,523/yr in principal reduction. Projected total cumulative return: $268,115.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.4% | 4.8% |
| Monthly Cash Flow | $1,913 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,279 |
| Total Monthly Debt Service | $2,214 |
| DSCR Ratio | 1.93x |
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 1922
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95817, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,897 (100%) |
| Owner Occupied HU | 2,514 (36.5%) |
| Renter Occupied HU | 3,911 (56.7%) |
| Vacant Housing Units | 472 ( 6.8%) |
| Median Home Value | $591,781 |
| Average Home Value | $611,518 |
Housing Distribution
Address Breakdown
Residential
6,522
Single Family
5,132
Multi-Family
1,390
Businesses
406
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 1922
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95817, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,897 (100%) |
| Owner Occupied HU | 2,514 (36.5%) |
| Renter Occupied HU | 3,911 (56.7%) |
| Vacant Housing Units | 472 ( 6.8%) |
| Median Home Value | $591,781 |
| Average Home Value | $611,518 |
Housing Distribution
Address Breakdown
Residential
6,522
Single Family
5,132
Multi-Family
1,390
Businesses
406
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices