112 Hardie DrMoragaCA94556
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe income profile at 112 Hardie Dr, Moraga, CA, 94556 in Moraga is straightforward: $1,495,000 in, $9,602/mo in rent, $354/mo out after debt service. The 7.71% gross yield and 1.43 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $413,041 by year five. With $13,769/yr in principal equity, the total cumulative return is projected at $589,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $354 | $1,500 |
City averages based on Moraga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,602 |
| Total Monthly Debt Service | $8,654 |
| DSCR Ratio | 1.11x |
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 1963
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
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 1963
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices