427 6th StWest SacramentoCA95605
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 427 6th St, West Sacramento, CA, 95605 in West Sacramento. Rental yield 4.61%. At $781,405 with 4.61% gross yield, current distributions are modest, but the 5% appreciation rate projects $215,888 in new equity by year five, complemented by $7,197/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.85) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $168,729.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.0% |
| Monthly Cash Flow | $(1,993) | $1,500 |
City averages based on West Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $4,682 |
| DSCR Ratio | 0.64x |
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 2025
2,057 sqft lot
$N/A/sqft
$159 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95605, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,346 (100%) |
| Owner Occupied HU | 2,330 (36.7%) |
| Renter Occupied HU | 3,673 (57.9%) |
| Vacant Housing Units | 343 ( 5.4%) |
| Median Home Value | $460,452 |
| Average Home Value | $529,153 |
Housing Distribution
Address Breakdown
Residential
5,432
Single Family
4,053
Multi-Family
1,379
Businesses
359
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 2025
2,057 sqft lot
$N/A/sqft
$159 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95605, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,346 (100%) |
| Owner Occupied HU | 2,330 (36.7%) |
| Renter Occupied HU | 3,673 (57.9%) |
| Vacant Housing Units | 343 ( 5.4%) |
| Median Home Value | $460,452 |
| Average Home Value | $529,153 |
Housing Distribution
Address Breakdown
Residential
5,432
Single Family
4,053
Multi-Family
1,379
Businesses
359
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • BlackPine Communities
Mls Name: BlackPine Communities
Mls ID: #N/A