7012 Peck DrSacramentoCA95828
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 7012 Peck Dr, Sacramento, CA, 95828 in Sacramento is narrow, $87/mo net on $2,777/mo rent after the $1,955/mo debt service, but the property operates at break-even-plus, not a loss. At $434,800 with a 7.66% yield, the long-run equity case via 5% appreciation ($120,127 over five years) and $4,005/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $170,521.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.8% |
| Monthly Cash Flow | $87 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,777 |
| Total Monthly Debt Service | $2,517 |
| DSCR Ratio | 1.10x |
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 1963
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95828, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,631 (100%) |
| Owner Occupied HU | 11,921 (60.7%) |
| Renter Occupied HU | 7,296 (37.2%) |
| Vacant Housing Units | 414 ( 2.1%) |
| Median Home Value | $465,952 |
| Average Home Value | $503,533 |
Housing Distribution
Address Breakdown
Residential
18,950
Single Family
17,326
Multi-Family
1,624
Businesses
1,110
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 1963
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95828, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,631 (100%) |
| Owner Occupied HU | 11,921 (60.7%) |
| Renter Occupied HU | 7,296 (37.2%) |
| Vacant Housing Units | 414 ( 2.1%) |
| Median Home Value | $465,952 |
| Average Home Value | $503,533 |
Housing Distribution
Address Breakdown
Residential
18,950
Single Family
17,326
Multi-Family
1,624
Businesses
1,110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices