502 U StSacramentoCA95818
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 502 U St, Sacramento, CA, 95818 in Sacramento is capital appreciation. Rental yield 4.2%. The 4.2% gross yield at $735,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $203,067 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.78) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $146,039.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.8% |
| Monthly Cash Flow | $(2,068) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,572 |
| Total Monthly Debt Service | $4,348 |
| DSCR Ratio | 0.59x |
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.
Multi Family
Built in 1915
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95818, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,209 (100%) |
| Owner Occupied HU | 5,616 (46.0%) |
| Renter Occupied HU | 5,766 (47.2%) |
| Vacant Housing Units | 827 ( 6.8%) |
| Median Home Value | $816,354 |
| Average Home Value | $848,391 |
Housing Distribution
Address Breakdown
Residential
11,154
Single Family
9,297
Multi-Family
1,857
Businesses
791
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
Multi Family
Built in 1915
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95818, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,209 (100%) |
| Owner Occupied HU | 5,616 (46.0%) |
| Renter Occupied HU | 5,766 (47.2%) |
| Vacant Housing Units | 827 ( 6.8%) |
| Median Home Value | $816,354 |
| Average Home Value | $848,391 |
Housing Distribution
Address Breakdown
Residential
11,154
Single Family
9,297
Multi-Family
1,857
Businesses
791
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices