116 Spalding CtSan RamonCA94582
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in San Ramon at 116 Spalding Ct, San Ramon, CA, 94582 projects strong ROI of 8.38%. Rental yield 3.39%. With 5% annual appreciation, the property builds $637,879 in value over five years. Equity growth combined delivers a projected five-year ROI of 57.71%, translating into $376,382 in total cumulative return on $652,236 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 5.0% |
| Monthly Cash Flow | $(7,755) | $1,500 |
City averages based on San Ramon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,528 |
| Total Monthly Debt Service | $13,364 |
| DSCR Ratio | 0.49x |
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 2007
6,098 sqft lot
$N/A/sqft
No HOA
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 2007
6,098 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CCAR
Mls ID: #41126693