LampasasSacramentoCA95815
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 1.61%. Lampasas, Sacramento, CA, 95815 in Sacramento fits: $1,431,100, 1.61% gross yield, and a projected 5% annual appreciation rate adding $395,387 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.30) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,181/yr in principal paydown and $395,387 in appreciation project a total return of $96,244.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 4.8% |
| Monthly Cash Flow | $(6,937) | $285 |
City averages based on Sacramento market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,916 |
| Total Monthly Debt Service | $8,284 |
| DSCR Ratio | 0.23x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95815, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,650 (100%) |
| Owner Occupied HU | 3,553 (33.4%) |
| Renter Occupied HU | 6,447 (60.5%) |
| Vacant Housing Units | 650 ( 6.1%) |
| Median Home Value | $362,956 |
| Average Home Value | $442,454 |
Housing Distribution
Address Breakdown
Residential
9,669
Single Family
7,774
Multi-Family
1,895
Businesses
1,611
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95815, Sacramento, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,650 (100%) |
| Owner Occupied HU | 3,553 (33.4%) |
| Renter Occupied HU | 6,447 (60.5%) |
| Vacant Housing Units | 650 ( 6.1%) |
| Median Home Value | $362,956 |
| Average Home Value | $442,454 |
Housing Distribution
Address Breakdown
Residential
9,669
Single Family
7,774
Multi-Family
1,895
Businesses
1,611
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A