323 39th StSacramentoCA95816
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 323 39th St, Sacramento, CA, 95816 in Sacramento worth study. Rental yield 4.27%. The 4.27% gross yield is below cash-flow benchmarks at $1,085,000, but 5% annual appreciation, adding $299,766 over five years, frames this as a capital growth position. Rent of $3,857/mo partially offsets the $4,879/mo payment. Ziffy Mortgage finances appreciation-play properties (0.79 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $227,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 4.8% |
| Monthly Cash Flow | $(2,855) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,857 |
| Total Monthly Debt Service | $6,280 |
| DSCR Ratio | 0.61x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1937
5,349 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 1937
5,349 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: Kimberly Squaglia • House Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225102332