1228 36th Ave #102OaklandCA94601
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 1228 36th Ave #102, Oakland, CA, 94601 in Oakland is a conservative rental investment at $448,888. Rental yield 7.12%. A 1.32 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $124,019; $4,134/yr in principal paydown supplements. Total projected return: $142,123.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 4.8% |
| Monthly Cash Flow | $(461) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,662 |
| Total Monthly Debt Service | $2,944 |
| DSCR Ratio | 0.90x |
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 1938
0.26 Acres lot
$N/A/sqft
$346 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94601, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,370 (100%) |
| Owner Occupied HU | 5,201 (29.9%) |
| Renter Occupied HU | 11,244 (64.7%) |
| Vacant Housing Units | 925 ( 5.3%) |
| Median Home Value | $729,822 |
| Average Home Value | $818,769 |
Housing Distribution
Address Breakdown
Residential
16,059
Single Family
10,050
Multi-Family
6,009
Businesses
1,689
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 1938
0.26 Acres lot
$N/A/sqft
$346 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94601, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,370 (100%) |
| Owner Occupied HU | 5,201 (29.9%) |
| Renter Occupied HU | 11,244 (64.7%) |
| Vacant Housing Units | 925 ( 5.3%) |
| Median Home Value | $729,822 |
| Average Home Value | $818,769 |
Housing Distribution
Address Breakdown
Residential
16,059
Single Family
10,050
Multi-Family
6,009
Businesses
1,689
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices