3152 White Fish Bay StWest SacramentoCA95691
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3152 White Fish Bay St, West Sacramento, CA, 95691 in West Sacramento speaks for itself: 10.3% gross on a $529,900 price, generating $4,550/mo in rent and $1,191/mo in net income after the $2,383/mo debt service. DSCR 1.91, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,288 stacks alongside $146,402 in projected five-year appreciation and $4,880/yr in principal reduction. Projected total cumulative return: $277,853.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $1,191 | $1,500 |
City averages based on West Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,550 |
| Total Monthly Debt Service | $3,149 |
| DSCR Ratio | 1.44x |
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 2001
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95691, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,574 (100%) |
| Owner Occupied HU | 9,462 (60.8%) |
| Renter Occupied HU | 5,470 (35.1%) |
| Vacant Housing Units | 642 ( 4.1%) |
| Median Home Value | $559,164 |
| Average Home Value | $556,165 |
Housing Distribution
Address Breakdown
Residential
15,049
Single Family
12,482
Multi-Family
2,567
Businesses
1,568
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 2001
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95691, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,574 (100%) |
| Owner Occupied HU | 9,462 (60.8%) |
| Renter Occupied HU | 5,470 (35.1%) |
| Vacant Housing Units | 642 ( 4.1%) |
| Median Home Value | $559,164 |
| Average Home Value | $556,165 |
Housing Distribution
Address Breakdown
Residential
15,049
Single Family
12,482
Multi-Family
2,567
Businesses
1,568
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices