644 Whitewater CtWest SacramentoCA95691
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 644 Whitewater Ct, West Sacramento, CA, 95691 in West Sacramento at $627,777. Rental yield 7.79%. The 7.79% yield and 1.44 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $173,443 by year five, and $5,782/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $235,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $(50) | $1,500 |
City averages based on West Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,078 |
| Total Monthly Debt Service | $3,878 |
| DSCR Ratio | 1.05x |
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 2023
3,036 sqft lot
$N/A/sqft
$244 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95691, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,574 (100%) |
| Owner Occupied HU | 9,462 (60.8%) |
| Renter Occupied HU | 5,470 (35.1%) |
| Vacant Housing Units | 642 ( 4.1%) |
| Median Home Value | $559,164 |
| Average Home Value | $556,165 |
Housing Distribution
Address Breakdown
Residential
15,049
Single Family
12,482
Multi-Family
2,567
Businesses
1,568
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 2023
3,036 sqft lot
$N/A/sqft
$244 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95691, West Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,574 (100%) |
| Owner Occupied HU | 9,462 (60.8%) |
| Renter Occupied HU | 5,470 (35.1%) |
| Vacant Housing Units | 642 ( 4.1%) |
| Median Home Value | $559,164 |
| Average Home Value | $556,165 |
Housing Distribution
Address Breakdown
Residential
15,049
Single Family
12,482
Multi-Family
2,567
Businesses
1,568
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Hindy • Nick Sadek Sotheby's Internati
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225050122
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