5435 Karm WaySacramentoCA95842
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 5435 Karm Way, Sacramento, CA, 95842 in Sacramento deserves attention. This $364,000 property earns $3,497/mo in rent, a 11.53% gross yield, and nets $1,245/mo after the $1,637/mo payment. DSCR 2.14 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $100,566 compounds alongside $3,352/yr in yearly equity build, for a total cumulative return of $218,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 4.8% |
| Monthly Cash Flow | $1,245 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,497 |
| Total Monthly Debt Service | $2,107 |
| DSCR Ratio | 1.66x |
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.
Multi Family
Built in 1981
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95842, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,081 (100%) |
| Owner Occupied HU | 6,153 (50.9%) |
| Renter Occupied HU | 5,672 (46.9%) |
| Vacant Housing Units | 256 ( 2.1%) |
| Median Home Value | $399,561 |
| Average Home Value | $431,846 |
Housing Distribution
Address Breakdown
Residential
11,914
Single Family
11,408
Multi-Family
506
Businesses
275
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 1981
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95842, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,081 (100%) |
| Owner Occupied HU | 6,153 (50.9%) |
| Renter Occupied HU | 5,672 (46.9%) |
| Vacant Housing Units | 256 ( 2.1%) |
| Median Home Value | $399,561 |
| Average Home Value | $431,846 |
Housing Distribution
Address Breakdown
Residential
11,914
Single Family
11,408
Multi-Family
506
Businesses
275
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices