1289 Pine Creek Way APT DConcordCA94520
INVESTMENT ANALYSIS
Investment Verdict
Solid Income1289 Pine Creek Way APT D, Concord, CA, 94520 in Concord is a solid income-producing rental, 9.48% gross yield, $3,515/mo rent, $339/mo net cash flow on a $445,000 buy. DSCR 1.67 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $122,945 and $3,730/yr in principal reduction project a total cumulative return of $209,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $339 | $250 |
City averages based on Concord market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,515 |
| Total Monthly Debt Service | $2,684 |
| DSCR Ratio | 1.31x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1971
880 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94520, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,403 (100%) |
| Owner Occupied HU | 5,182 (36.0%) |
| Renter Occupied HU | 8,554 (59.4%) |
| Vacant Housing Units | 667 ( 4.6%) |
| Median Home Value | $611,281 |
| Average Home Value | $673,614 |
Housing Distribution
Address Breakdown
Residential
13,774
Single Family
6,675
Multi-Family
7,099
Businesses
2,730
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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
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Listed by: N/A • N/A
Mls Name: Bay East AOR
Mls Provider:
Mls ID: #41150231
