620 14th StSacramentoCA95814
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 620 14th St, Sacramento, CA, 95814 in Sacramento at $1,280,000, 2.05% gross yield, is a market-growth asset. Rental yield 2.05%. The $2,191/mo rent partially funds the $5,756/mo debt service; the core return is the 5%/yr price growth projected to add $353,640 over five years. Ziffy Mortgage's DSCR mortgage (0.38) 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: $116,767.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 4.8% |
| Monthly Cash Flow | $(5,727) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,191 |
| Total Monthly Debt Service | $7,409 |
| DSCR Ratio | 0.30x |
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 1910
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95814, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,105 (100%) |
| Owner Occupied HU | 777 ( 8.5%) |
| Renter Occupied HU | 7,086 (77.8%) |
| Vacant Housing Units | 1,242 (13.6%) |
| Median Home Value | $706,923 |
| Average Home Value | $744,572 |
Housing Distribution
Address Breakdown
Residential
6,656
Single Family
1,542
Multi-Family
5,114
Businesses
2,016
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 1910
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95814, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,105 (100%) |
| Owner Occupied HU | 777 ( 8.5%) |
| Renter Occupied HU | 7,086 (77.8%) |
| Vacant Housing Units | 1,242 (13.6%) |
| Median Home Value | $706,923 |
| Average Home Value | $744,572 |
Housing Distribution
Address Breakdown
Residential
6,656
Single Family
1,542
Multi-Family
5,114
Businesses
2,016
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sean Work • eXp Realty of California, Inc.
Mls Name: MetroList Services of CA
Mls ID: #226017318