1011 ChelseaHerculesCA94547
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1011 Chelsea, Hercules, CA, 94547 in Hercules. Priced at $405,000, it generates $4,354/mo in gross rent and $1,392/mo in net monthly cash flow, a 12.9% yield that comfortably supports the 2.39 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $16,709. Five-year appreciation: $111,894. Equity from principal paydown: $3,730/yr. Total projected cumulative return: $245,215.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.0% |
| Monthly Cash Flow | $1,392 | $1,200 |
City averages based on Hercules market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,354 |
| Total Monthly Debt Service | $2,800 |
| DSCR Ratio | 1.55x |
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.
Condo
Built in 1985
N/A lot
$N/A/sqft
$447 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94547, Hercules, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,421 (100%) |
| Owner Occupied HU | 6,828 (72.5%) |
| Renter Occupied HU | 2,206 (23.4%) |
| Vacant Housing Units | 387 ( 4.1%) |
| Median Home Value | $784,940 |
| Average Home Value | $843,488 |
Housing Distribution
Address Breakdown
Residential
9,000
Single Family
7,941
Multi-Family
1,059
Businesses
310
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
Condo
Built in 1985
N/A lot
$N/A/sqft
$447 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94547, Hercules, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,421 (100%) |
| Owner Occupied HU | 6,828 (72.5%) |
| Renter Occupied HU | 2,206 (23.4%) |
| Vacant Housing Units | 387 ( 4.1%) |
| Median Home Value | $784,940 |
| Average Home Value | $843,488 |
Housing Distribution
Address Breakdown
Residential
9,000
Single Family
7,941
Multi-Family
1,059
Businesses
310
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices