15968 Wagner StSan LorenzoCA94580
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder15968 Wagner St, San Lorenzo, CA, 94580 in San Lorenzo earns a respectable 7.44% gross yield at $799,000, but after the $3,788/mo mortgage the net cash flow is $11/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.31) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $220,749 over five years, making equity the dominant return driver. Total projected return: $288,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $11 | $1,500 |
City averages based on San Lorenzo 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 | $4,954 |
| Total Monthly Debt Service | $4,820 |
| DSCR Ratio | 1.03x |
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.
Single Family
Built in 1951
5,035 sqft lot
$N/A/sqft
No 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
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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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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bay East AOR
Mls Provider:
Mls ID: #41149799
