7508 18th StSacramentoCA95822
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 7508 18th St, Sacramento, CA, 95822 in Sacramento at $420,000 earns $2,710/mo in rent and nets $111/mo after the $1,889/mo payment, a 7.74% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $116,038 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $3,868/yr in principal paydown, total projected return reaches $166,453.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.8% |
| Monthly Cash Flow | $111 | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,710 |
| Total Monthly Debt Service | $2,431 |
| DSCR Ratio | 1.11x |
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 1970
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95822, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,892 (100%) |
| Owner Occupied HU | 9,540 (56.5%) |
| Renter Occupied HU | 6,688 (39.6%) |
| Vacant Housing Units | 664 ( 3.9%) |
| Median Home Value | $558,969 |
| Average Home Value | $644,258 |
Housing Distribution
Address Breakdown
Residential
16,526
Single Family
15,422
Multi-Family
1,104
Businesses
1,021
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 1970
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95822, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,892 (100%) |
| Owner Occupied HU | 9,540 (56.5%) |
| Renter Occupied HU | 6,688 (39.6%) |
| Vacant Housing Units | 664 ( 3.9%) |
| Median Home Value | $558,969 |
| Average Home Value | $644,258 |
Housing Distribution
Address Breakdown
Residential
16,526
Single Family
15,422
Multi-Family
1,104
Businesses
1,021
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elena Rotari • Better Homes and Gardens RE
Mls Name: MetroList Services of CA
Mls ID: #226020833