3132 B StSacramentoCA95816
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3132 B St, Sacramento, CA, 95816 in Sacramento at $540,000 earns $3,512/mo in rent and nets $172/mo after the $2,428/mo payment, a 7.81% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $149,192 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $4,973/yr in principal paydown, total projected return reaches $215,818.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 4.8% |
| Monthly Cash Flow | $172 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,512 |
| Total Monthly Debt Service | $3,126 |
| DSCR Ratio | 1.12x |
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
6,425 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95816, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,012 (100%) |
| Owner Occupied HU | 2,978 (27.0%) |
| Renter Occupied HU | 7,302 (66.3%) |
| Vacant Housing Units | 732 ( 6.6%) |
| Median Home Value | $836,109 |
| Average Home Value | $893,555 |
Housing Distribution
Address Breakdown
Residential
10,605
Single Family
5,653
Multi-Family
4,952
Businesses
1,566
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
6,425 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95816, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,012 (100%) |
| Owner Occupied HU | 2,978 (27.0%) |
| Renter Occupied HU | 7,302 (66.3%) |
| Vacant Housing Units | 732 ( 6.6%) |
| Median Home Value | $836,109 |
| Average Home Value | $893,555 |
Housing Distribution
Address Breakdown
Residential
10,605
Single Family
5,653
Multi-Family
4,952
Businesses
1,566
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Roger Gilleland • Reid & Price Properties
Mls Name: MetroList Services of CA
Mls ID: #225087803