762 Whitewater CtWest SacramentoCA95605
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 762 Whitewater Ct, West Sacramento, CA, 95605 in West Sacramento at $634,905. Rental yield 6.76%. The 6.76% yield and 1.25 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 $175,413 by year five, and $5,848/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $198,058.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(686) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,575 |
| Total Monthly Debt Service | $4,008 |
| DSCR Ratio | 0.89x |
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.
Single Family
Built in N/A
3,040 sqft lot
$N/A/sqft
$333 monthly 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 N/A
3,040 sqft lot
$N/A/sqft
$333 monthly 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: Catmy Bui • Providential Investments
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224122133
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.