638 Arthur DrWest SacramentoCA95605
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 638 Arthur Dr, West Sacramento, CA, 95605 in West Sacramento: $2,861/mo in rent, $294/mo in net income, 8.27% gross yield, 1.53 DSCR, all at $415,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $114,657 in appreciation and $3,822/yr in principal paydown projects total cumulative return of $176,259.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $294 | $1,500 |
City averages based on West Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,861 |
| Total Monthly Debt Service | $2,402 |
| 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 1962
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95605, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,346 (100%) |
| Owner Occupied HU | 2,330 (36.7%) |
| Renter Occupied HU | 3,673 (57.9%) |
| Vacant Housing Units | 343 ( 5.4%) |
| Median Home Value | $460,452 |
| Average Home Value | $529,153 |
Housing Distribution
Address Breakdown
Residential
5,432
Single Family
4,053
Multi-Family
1,379
Businesses
359
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 1962
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95605, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,346 (100%) |
| Owner Occupied HU | 2,330 (36.7%) |
| Renter Occupied HU | 3,673 (57.9%) |
| Vacant Housing Units | 343 ( 5.4%) |
| Median Home Value | $460,452 |
| Average Home Value | $529,153 |
Housing Distribution
Address Breakdown
Residential
5,432
Single Family
4,053
Multi-Family
1,379
Businesses
359
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Hurley • Platinum Home Properties
Mls Name: MetroList Services of CA
Mls ID: #225096492