109 Scotts Chute CtRichmondCA94803
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingInvestors approaching the U.S. market with capital-preservation in mind will find 109 Scotts Chute Ct, Richmond, CA, 94803 in Richmond aligned with their strategy. Rental yield 6.51%. DSCR 1.21 and 6.51% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $7,829/yr in paydown build toward a projected cumulative return of $280,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.5% |
| Monthly Cash Flow | $(649) | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,609 |
| Total Monthly Debt Service | $4,920 |
| DSCR Ratio | 0.94x |
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 1978
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94803, El Sobrante, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,745 (100%) |
| Owner Occupied HU | 6,564 (67.4%) |
| Renter Occupied HU | 2,766 (28.4%) |
| Vacant Housing Units | 415 ( 4.3%) |
| Median Home Value | $812,573 |
| Average Home Value | $917,555 |
Housing Distribution
Address Breakdown
Residential
9,595
Single Family
8,115
Multi-Family
1,480
Businesses
356
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 1978
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94803, El Sobrante, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,745 (100%) |
| Owner Occupied HU | 6,564 (67.4%) |
| Renter Occupied HU | 2,766 (28.4%) |
| Vacant Housing Units | 415 ( 4.3%) |
| Median Home Value | $812,573 |
| Average Home Value | $917,555 |
Housing Distribution
Address Breakdown
Residential
9,595
Single Family
8,115
Multi-Family
1,480
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura Nelson • EXP Realty
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41112319