1089 D StHaywardCA94541
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.51% gross rental yield, 1089 D St, Hayward, CA, 94541 in Hayward is priced for capital growth, not immediate cash flow. The $1,599,990 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $442,048 by year five, with $14,736/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.46) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $184,787.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.0% |
| Monthly Cash Flow | $(6,556) | $800 |
City averages based on Hayward market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,342 |
| Total Monthly Debt Service | $9,261 |
| DSCR Ratio | 0.36x |
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 2024
4,220 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94541, Hayward, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,767 (100%) |
| Owner Occupied HU | 9,638 (40.6%) |
| Renter Occupied HU | 12,938 (54.4%) |
| Vacant Housing Units | 1,191 ( 5.0%) |
| Median Home Value | $849,696 |
| Average Home Value | $970,695 |
Housing Distribution
Address Breakdown
Residential
22,893
Single Family
16,924
Multi-Family
5,969
Businesses
1,624
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 2024
4,220 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94541, Hayward, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,767 (100%) |
| Owner Occupied HU | 9,638 (40.6%) |
| Renter Occupied HU | 12,938 (54.4%) |
| Vacant Housing Units | 1,191 ( 5.0%) |
| Median Home Value | $849,696 |
| Average Home Value | $970,695 |
Housing Distribution
Address Breakdown
Residential
22,893
Single Family
16,924
Multi-Family
5,969
Businesses
1,624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Tong • Prime Meridian Realty & Mtg.
Mls Name: SFAR
Mls Provider:
Mls ID: #425022590
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.