133 Miramonte DrMoragaCA94556
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Moraga rental at 133 Miramonte Dr, Moraga, CA, 94556 sits in the solid-income band: 9.57% gross yield, $7,558/mo rent, $904/mo net after the $4,263/mo debt service, DSCR 1.77. Entry price of $948,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $261,915 and $8,731/yr in principal reduction bring total cumulative return to $421,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.2% |
| Monthly Cash Flow | $904 | $1,500 |
City averages based on Moraga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,558 |
| Total Monthly Debt Service | $6,277 |
| DSCR Ratio | 1.20x |
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 1965
1,742 sqft lot
$N/A/sqft
$517 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
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 1965
1,742 sqft lot
$N/A/sqft
$517 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices