55 46th StSacramentoCA95819
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 55 46th St, Sacramento, CA, 95819 in Sacramento at $875,000, 4.96% gross yield, is a market-growth asset. Rental yield 4.96%. The $3,614/mo rent partially funds the $3,935/mo debt service; the core return is the 5%/yr price growth projected to add $241,746 over five years. Ziffy Mortgage's DSCR mortgage (0.92) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $215,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 4.8% |
| Monthly Cash Flow | $(1,798) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,614 |
| Total Monthly Debt Service | $5,065 |
| DSCR Ratio | 0.71x |
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.
Single Family
Built in 1948
5,719 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95819, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,060 (100%) |
| Owner Occupied HU | 5,090 (63.2%) |
| Renter Occupied HU | 2,559 (31.7%) |
| Vacant Housing Units | 411 ( 5.1%) |
| Median Home Value | $782,186 |
| Average Home Value | $845,778 |
Housing Distribution
Address Breakdown
Residential
8,259
Single Family
7,507
Multi-Family
752
Businesses
708
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 1948
5,719 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95819, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,060 (100%) |
| Owner Occupied HU | 5,090 (63.2%) |
| Renter Occupied HU | 2,559 (31.7%) |
| Vacant Housing Units | 411 ( 5.1%) |
| Median Home Value | $782,186 |
| Average Home Value | $845,778 |
Housing Distribution
Address Breakdown
Residential
8,259
Single Family
7,507
Multi-Family
752
Businesses
708
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: #226009507