45 Derow CtSacramentoCA95833
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 45 Derow Ct, Sacramento, CA, 95833 in Sacramento is the 1.50 coverage ratio: rent of $2,285/mo versus a $1,524/mo debt payment on a $339,000 property. Rental yield 8.09%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $93,659 by year five, with $3,122/yr in equity from paydown. Total projected cumulative return: $114,655.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.8% |
| Monthly Cash Flow | $(246) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,285 |
| Total Monthly Debt Service | $2,396 |
| DSCR Ratio | 0.95x |
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.
Condo
Built in 1972
1,307 sqft lot
$N/A/sqft
$410 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95833, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,279 (100%) |
| Owner Occupied HU | 7,342 (45.1%) |
| Renter Occupied HU | 8,328 (51.2%) |
| Vacant Housing Units | 609 ( 3.7%) |
| Median Home Value | $494,585 |
| Average Home Value | $552,164 |
Housing Distribution
Address Breakdown
Residential
16,008
Single Family
12,566
Multi-Family
3,442
Businesses
684
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
Condo
Built in 1972
1,307 sqft lot
$N/A/sqft
$410 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95833, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,279 (100%) |
| Owner Occupied HU | 7,342 (45.1%) |
| Renter Occupied HU | 8,328 (51.2%) |
| Vacant Housing Units | 609 ( 3.7%) |
| Median Home Value | $494,585 |
| Average Home Value | $552,164 |
Housing Distribution
Address Breakdown
Residential
16,008
Single Family
12,566
Multi-Family
3,442
Businesses
684
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jasmine Sunkara • eXp Realty of California Inc.
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224129650
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.