4112 57th StSacramentoCA95820
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4112 57th St, Sacramento, CA, 95820 in Sacramento at $499,999, 5.78% gross yield, is a market-growth asset. Rental yield 5.78%. The $2,410/mo rent partially funds the $2,248/mo debt service; the core return is the 5%/yr price growth projected to add $138,141 over five years. Ziffy Mortgage's DSCR mortgage (1.07) 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: $145,695.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 4.8% |
| Monthly Cash Flow | $(683) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,410 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 0.83x |
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 1938
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95820, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,642 (100%) |
| Owner Occupied HU | 7,123 (52.2%) |
| Renter Occupied HU | 5,963 (43.7%) |
| Vacant Housing Units | 556 ( 4.1%) |
| Median Home Value | $457,348 |
| Average Home Value | $541,093 |
Housing Distribution
Address Breakdown
Residential
13,341
Single Family
12,535
Multi-Family
806
Businesses
728
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 1938
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95820, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,642 (100%) |
| Owner Occupied HU | 7,123 (52.2%) |
| Renter Occupied HU | 5,963 (43.7%) |
| Vacant Housing Units | 556 ( 4.1%) |
| Median Home Value | $457,348 |
| Average Home Value | $541,093 |
Housing Distribution
Address Breakdown
Residential
13,341
Single Family
12,535
Multi-Family
806
Businesses
728
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bonnie Smith • HomeSmart ICARE Realty
Mls Name: MetroList Services of CA
Mls ID: #225107397