5420 78th StSacramentoCA95820
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 5420 78th St, Sacramento, CA, 95820 in Sacramento earns a 8.42% gross yield at $389,000. Rent of $2,730/mo nets $272/mo after the $1,749/mo mortgage. The 1.56 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $107,474 and $3,583/yr in equity accumulation project a total cumulative return of $165,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 4.8% |
| Monthly Cash Flow | $272 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,730 |
| Total Monthly Debt Service | $2,303 |
| DSCR Ratio | 1.19x |
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 1957
4,792 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 1957
4,792 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: Colby Druckenmiller • Real Broker
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225044662
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