125 Reflections Dr APT 24San RamonCA94583
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 125 Reflections Dr APT 24, San Ramon, CA, 94583 in San Ramon at $625,000 earns $4,775/mo in rent and nets $160/mo after the $2,810/mo payment, a 9.17% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $172,676 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $5,756/yr in principal paydown, total projected return reaches $250,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.0% |
| Monthly Cash Flow | $160 | $1,500 |
City averages based on San Ramon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,775 |
| Total Monthly Debt Service | $4,366 |
| DSCR Ratio | 1.09x |
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.
Condo
Built in 1988
N/A lot
$N/A/sqft
$526 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94583, San Ramon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,524 (100%) |
| Owner Occupied HU | 9,778 (67.3%) |
| Renter Occupied HU | 4,288 (29.5%) |
| Vacant Housing Units | 458 ( 3.2%) |
| Median Home Value | $1,340,340 |
| Average Home Value | $1,394,112 |
Housing Distribution
Address Breakdown
Residential
14,028
Single Family
10,896
Multi-Family
3,132
Businesses
2,436
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 1988
N/A lot
$N/A/sqft
$526 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94583, San Ramon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,524 (100%) |
| Owner Occupied HU | 9,778 (67.3%) |
| Renter Occupied HU | 4,288 (29.5%) |
| Vacant Housing Units | 458 ( 3.2%) |
| Median Home Value | $1,340,340 |
| Average Home Value | $1,394,112 |
Housing Distribution
Address Breakdown
Residential
14,028
Single Family
10,896
Multi-Family
3,132
Businesses
2,436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices