1139 Oxford StBerkeleyCA94707
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1139 Oxford St, Berkeley, CA, 94707 in Berkeley is capital appreciation. Rental yield 3.2%. The 3.2% gross yield at $1,599,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $441,774 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.59) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $217,114.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.0% |
| Monthly Cash Flow | $(6,079) | $1,500 |
City averages based on Berkeley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,270 |
| Total Monthly Debt Service | $9,713 |
| DSCR Ratio | 0.44x |
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.
Multi Family
Built in 1912
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94707, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,251 (100%) |
| Owner Occupied HU | 4,153 (79.1%) |
| Renter Occupied HU | 815 (15.5%) |
| Vacant Housing Units | 283 ( 5.4%) |
| Median Home Value | $1,773,072 |
| Average Home Value | $1,728,088 |
Housing Distribution
Address Breakdown
Residential
5,167
Single Family
4,990
Multi-Family
177
Businesses
568
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
Multi Family
Built in 1912
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94707, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,251 (100%) |
| Owner Occupied HU | 4,153 (79.1%) |
| Renter Occupied HU | 815 (15.5%) |
| Vacant Housing Units | 283 ( 5.4%) |
| Median Home Value | $1,773,072 |
| Average Home Value | $1,728,088 |
Housing Distribution
Address Breakdown
Residential
5,167
Single Family
4,990
Multi-Family
177
Businesses
568
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices