10709 Pearmain StOaklandCA94603
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow10709 Pearmain St, Oakland, CA, 94603 in Oakland earns its strong cash-flow label: 10.94% yield, $6,100/mo rent, $1,480/mo net income, DSCR 2.03. The $669,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $184,832 by year five. Combined with $6,162/yr in principal paydown, total projected return reaches $351,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 4.8% |
| Monthly Cash Flow | $1,480 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,100 |
| Total Monthly Debt Service | $4,353 |
| DSCR Ratio | 1.40x |
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 1943
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94603, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,268 (100%) |
| Owner Occupied HU | 4,589 (44.7%) |
| Renter Occupied HU | 5,232 (51.0%) |
| Vacant Housing Units | 447 ( 4.4%) |
| Median Home Value | $585,461 |
| Average Home Value | $667,978 |
Housing Distribution
Address Breakdown
Residential
10,295
Single Family
8,385
Multi-Family
1,910
Businesses
605
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 1943
4,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94603, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,268 (100%) |
| Owner Occupied HU | 4,589 (44.7%) |
| Renter Occupied HU | 5,232 (51.0%) |
| Vacant Housing Units | 447 ( 4.4%) |
| Median Home Value | $585,461 |
| Average Home Value | $667,978 |
Housing Distribution
Address Breakdown
Residential
10,295
Single Family
8,385
Multi-Family
1,910
Businesses
605
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices