5226 Hemlock St APT 5SacramentoCA95841
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 5226 Hemlock St APT 5, Sacramento, CA, 95841 in Sacramento offers it: the 1.73 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 9.35%. Long-term, 5% appreciation is forecast to add $77,359, and $2,579/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $135,205.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 4.8% |
| Monthly Cash Flow | $(11) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,183 |
| Total Monthly Debt Service | $1,621 |
| DSCR Ratio | 1.35x |
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.
Condo
Built in 1986
3,388 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95841, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,479 (100%) |
| Owner Occupied HU | 3,482 (36.7%) |
| Renter Occupied HU | 5,643 (59.5%) |
| Vacant Housing Units | 354 ( 3.7%) |
| Median Home Value | $472,086 |
| Average Home Value | $495,870 |
Housing Distribution
Address Breakdown
Residential
8,690
Single Family
6,801
Multi-Family
1,889
Businesses
979
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 1986
3,388 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95841, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,479 (100%) |
| Owner Occupied HU | 3,482 (36.7%) |
| Renter Occupied HU | 5,643 (59.5%) |
| Vacant Housing Units | 354 ( 3.7%) |
| Median Home Value | $472,086 |
| Average Home Value | $495,870 |
Housing Distribution
Address Breakdown
Residential
8,690
Single Family
6,801
Multi-Family
1,889
Businesses
979
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226024748