4312 Howard AveSacramentoCA95820
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4312 Howard Ave, Sacramento, CA, 95820 in Sacramento is a top-tier cash-flow asset. At $249,000 it produces $2,402/mo in rent and $862/mo in net monthly income, a 11.58% gross rental yield. The DSCR of 2.14 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $10,344. Five-year appreciation adds $68,794, driving a total cumulative return of $149,865.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 4.8% |
| Monthly Cash Flow | $862 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,402 |
| Total Monthly Debt Service | $1,441 |
| DSCR Ratio | 1.67x |
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 1930
6,098 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 1930
6,098 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: Rick Hammill • RE/MAX Gold Sierra Oaks
Mls Name: MetroList Services of CA
Mls ID: #225072813