1641 E 20th StOaklandCA94606
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1641 E 20th St, Oakland, CA, 94606 in Oakland. Rental yield 6.8%. The 1.26 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $145,048 and $4,835/yr in principal reduction project total return of $181,492.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 4.8% |
| Monthly Cash Flow | $(273) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,975 |
| Total Monthly Debt Service | $3,039 |
| DSCR Ratio | 0.98x |
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 1913
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94606, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,554 (100%) |
| Owner Occupied HU | 2,905 (16.5%) |
| Renter Occupied HU | 12,960 (73.8%) |
| Vacant Housing Units | 1,689 ( 9.6%) |
| Median Home Value | $905,119 |
| Average Home Value | $1,038,600 |
Housing Distribution
Address Breakdown
Residential
15,938
Single Family
7,073
Multi-Family
8,865
Businesses
992
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 1913
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94606, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,554 (100%) |
| Owner Occupied HU | 2,905 (16.5%) |
| Renter Occupied HU | 12,960 (73.8%) |
| Vacant Housing Units | 1,689 ( 9.6%) |
| Median Home Value | $905,119 |
| Average Home Value | $1,038,600 |
Housing Distribution
Address Breakdown
Residential
15,938
Single Family
7,073
Multi-Family
8,865
Businesses
992
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cynthia L. Harris • BHG RE Reliance Partners
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41111236