15725 Via EsmondSan LorenzoCA94580
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 15725 Via Esmond, San Lorenzo, CA, 94580 in San Lorenzo. Rental yield 4.54%. At $1,098,000 with 4.54% gross yield, current distributions are modest, but the 5% appreciation rate projects $303,357 in new equity by year five, complemented by $10,113/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.84) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $225,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.5% |
| Monthly Cash Flow | $(2,995) | $1,500 |
City averages based on San Lorenzo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,158 |
| Total Monthly Debt Service | $6,716 |
| DSCR Ratio | 0.62x |
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.
Single Family
Built in 1955
8,306 sqft lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94580, San Lorenzo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,358 (100%) |
| Owner Occupied HU | 6,073 (64.9%) |
| Renter Occupied HU | 3,028 (32.4%) |
| Vacant Housing Units | 257 ( 2.7%) |
| Median Home Value | $841,261 |
| Average Home Value | $976,716 |
Housing Distribution
Address Breakdown
Residential
9,114
Single Family
8,208
Multi-Family
906
Businesses
431
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
Single Family
Built in 1955
8,306 sqft lot
$N/A/sqft
$13 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94580, San Lorenzo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,358 (100%) |
| Owner Occupied HU | 6,073 (64.9%) |
| Renter Occupied HU | 3,028 (32.4%) |
| Vacant Housing Units | 257 ( 2.7%) |
| Median Home Value | $841,261 |
| Average Home Value | $976,716 |
Housing Distribution
Address Breakdown
Residential
9,114
Single Family
8,208
Multi-Family
906
Businesses
431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices