107 E J StreetBeniciaCA94510
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 107 E J Street, Benicia, CA, 94510 in Benicia at $1,845,000, 3.14% gross yield, is a market-growth asset. Rental yield 3.14%. The $4,606/mo rent partially funds the $8,296/mo debt service; the core return is the 5%/yr price growth projected to add $509,739 over five years. Ziffy Mortgage's DSCR mortgage (0.56) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $261,498.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.5% |
| Monthly Cash Flow | $(6,586) | $2,000 |
City averages based on Benicia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,606 |
| Total Monthly Debt Service | $10,679 |
| DSCR Ratio | 0.43x |
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 1908
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94510, Benicia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,237 (100%) |
| Owner Occupied HU | 7,542 (67.1%) |
| Renter Occupied HU | 3,209 (28.6%) |
| Vacant Housing Units | 486 ( 4.3%) |
| Median Home Value | $813,862 |
| Average Home Value | $830,633 |
Housing Distribution
Address Breakdown
Residential
11,240
Single Family
9,453
Multi-Family
1,787
Businesses
1,626
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 1908
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94510, Benicia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,237 (100%) |
| Owner Occupied HU | 7,542 (67.1%) |
| Renter Occupied HU | 3,209 (28.6%) |
| Vacant Housing Units | 486 ( 4.3%) |
| Median Home Value | $813,862 |
| Average Home Value | $830,633 |
Housing Distribution
Address Breakdown
Residential
11,240
Single Family
9,453
Multi-Family
1,787
Businesses
1,626
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Henny Gho • Momentum Realty Group
Mls Name: BAREIS
Mls Provider:
Mls ID: #324050173
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.