137 Zartop StOakleyCA94561
INVESTMENT ANALYSIS
Investment Verdict
Solid Income137 Zartop St, Oakley, CA, 94561 in Oakley is a solid income-producing rental, 9.34% gross yield, $1,385/mo rent, $284/mo net cash flow on a $178,000 buy. DSCR 1.73 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $49,178 and $1,639/yr in principal reduction project a total cumulative return of $85,835.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $284 | $300 |
City averages based on Oakley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,385 |
| Total Monthly Debt Service | $1,030 |
| DSCR Ratio | 1.34x |
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.
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,291 (100%) |
| Owner Occupied HU | 11,571 (75.7%) |
| Renter Occupied HU | 3,167 (20.7%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $658,050 |
| Average Home Value | $741,306 |
Housing Distribution
Address Breakdown
Residential
14,971
Single Family
14,382
Multi-Family
589
Businesses
464
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
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,291 (100%) |
| Owner Occupied HU | 11,571 (75.7%) |
| Renter Occupied HU | 3,167 (20.7%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $658,050 |
| Average Home Value | $741,306 |
Housing Distribution
Address Breakdown
Residential
14,971
Single Family
14,382
Multi-Family
589
Businesses
464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelly West • EXP Realty
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41104899