4001 49th AveSacramentoCA95823
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4001 49th Ave, Sacramento, CA, 95823 in Sacramento at $900,000, 5.27% gross yield, is a market-growth asset. Rental yield 5.27%. The $3,954/mo rent partially funds the $4,047/mo debt service; the core return is the 5%/yr price growth projected to add $248,653 over five years. Ziffy Mortgage's DSCR mortgage (0.98) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $237,433.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 4.8% |
| Monthly Cash Flow | $(1,614) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,954 |
| Total Monthly Debt Service | $5,209 |
| DSCR Ratio | 0.76x |
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 1939
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95823, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,165 (100%) |
| Owner Occupied HU | 11,666 (46.4%) |
| Renter Occupied HU | 12,588 (50.0%) |
| Vacant Housing Units | 911 ( 3.6%) |
| Median Home Value | $407,690 |
| Average Home Value | $420,938 |
Housing Distribution
Address Breakdown
Residential
24,750
Single Family
20,516
Multi-Family
4,234
Businesses
1,598
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 1939
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95823, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,165 (100%) |
| Owner Occupied HU | 11,666 (46.4%) |
| Renter Occupied HU | 12,588 (50.0%) |
| Vacant Housing Units | 911 ( 3.6%) |
| Median Home Value | $407,690 |
| Average Home Value | $420,938 |
Housing Distribution
Address Breakdown
Residential
24,750
Single Family
20,516
Multi-Family
4,234
Businesses
1,598
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226062693