1201 Pine St UNIT 319OaklandCA94607
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder1201 Pine St UNIT 319, Oakland, CA, 94607 in Oakland is a stable, well-positioned rental at $499,000. Rental yield 7.69%. DSCR 1.42 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $137,865 in value and $4,596/yr in principal paydown builds equity, a total projected return of $147,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 4.8% |
| Monthly Cash Flow | $(707) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,197 |
| Total Monthly Debt Service | $3,705 |
| DSCR Ratio | 0.86x |
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.
Condo
Built in N/A
4.36 sqft lot
$N/A/sqft
$417 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94607, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,083 (100%) |
| Owner Occupied HU | 3,477 (23.1%) |
| Renter Occupied HU | 10,159 (67.4%) |
| Vacant Housing Units | 1,447 ( 9.6%) |
| Median Home Value | $850,945 |
| Average Home Value | $956,402 |
Housing Distribution
Address Breakdown
Residential
13,304
Single Family
5,845
Multi-Family
7,459
Businesses
2,595
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
Condo
Built in N/A
4.36 sqft lot
$N/A/sqft
$417 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94607, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,083 (100%) |
| Owner Occupied HU | 3,477 (23.1%) |
| Renter Occupied HU | 10,159 (67.4%) |
| Vacant Housing Units | 1,447 ( 9.6%) |
| Median Home Value | $850,945 |
| Average Home Value | $956,402 |
Housing Distribution
Address Breakdown
Residential
13,304
Single Family
5,845
Multi-Family
7,459
Businesses
2,595
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James S. Koh • Compass
Mls Name: SFAR
Mls Provider:
Mls ID: #424076937
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.