121 CardozaHerculesCA94547
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 121 Cardoza, Hercules, CA, 94547 in Hercules at $649,000 earns $4,321/mo in rent and nets $27/mo after the $2,918/mo payment, a 7.99% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $179,307 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $5,977/yr in principal paydown, total projected return reaches $249,067.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $27 | $1,200 |
City averages based on Hercules market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,321 |
| Total Monthly Debt Service | $4,036 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 1988
2,613 sqft lot
$N/A/sqft
$279 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94547, Hercules, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,421 (100%) |
| Owner Occupied HU | 6,828 (72.5%) |
| Renter Occupied HU | 2,206 (23.4%) |
| Vacant Housing Units | 387 ( 4.1%) |
| Median Home Value | $784,940 |
| Average Home Value | $843,488 |
Housing Distribution
Address Breakdown
Residential
9,000
Single Family
7,941
Multi-Family
1,059
Businesses
310
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
Townhouse
Built in 1988
2,613 sqft lot
$N/A/sqft
$279 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94547, Hercules, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,421 (100%) |
| Owner Occupied HU | 6,828 (72.5%) |
| Renter Occupied HU | 2,206 (23.4%) |
| Vacant Housing Units | 387 ( 4.1%) |
| Median Home Value | $784,940 |
| Average Home Value | $843,488 |
Housing Distribution
Address Breakdown
Residential
9,000
Single Family
7,941
Multi-Family
1,059
Businesses
310
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices