15 Ambler LnOaklandCA94608
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.55 makes 15 Ambler Ln, Oakland, CA, 94608 in Oakland one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.36%. The 8.36% yield, 5% annual appreciation ($145,739 over five years), and $4,858/yr in principal reduction project a total cumulative return of $163,161.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 4.8% |
| Monthly Cash Flow | $(644) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,673 |
| Total Monthly Debt Service | $4,107 |
| DSCR Ratio | 0.89x |
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.
Townhouse
Built in 2005
871.20 sqft lot
$N/A/sqft
$367 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94608, Emeryville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,730 (100%) |
| Owner Occupied HU | 5,074 (28.6%) |
| Renter Occupied HU | 11,087 (62.5%) |
| Vacant Housing Units | 1,569 ( 8.8%) |
| Median Home Value | $992,047 |
| Average Home Value | $1,097,014 |
Housing Distribution
Address Breakdown
Residential
16,280
Single Family
7,484
Multi-Family
8,796
Businesses
1,822
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 2005
871.20 sqft lot
$N/A/sqft
$367 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94608, Emeryville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,730 (100%) |
| Owner Occupied HU | 5,074 (28.6%) |
| Renter Occupied HU | 11,087 (62.5%) |
| Vacant Housing Units | 1,569 ( 8.8%) |
| Median Home Value | $992,047 |
| Average Home Value | $1,097,014 |
Housing Distribution
Address Breakdown
Residential
16,280
Single Family
7,484
Multi-Family
8,796
Businesses
1,822
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices