168 Loftus RdBay PointCA94565
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Bay Point rental at 168 Loftus Rd, Bay Point, CA, 94565 sits in the solid-income band: 9.64% gross yield, $4,778/mo rent, $967/mo net after the $2,675/mo debt service, DSCR 1.79. Entry price of $595,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $164,388 and $5,480/yr in principal reduction bring total cumulative return to $288,394.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.0% |
| Monthly Cash Flow | $967 | $1,200 |
City averages based on Bay Point market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,778 |
| Total Monthly Debt Service | $3,575 |
| 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.
Single Family
Built in 1947
8,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94565, Pittsburg, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,781 (100%) |
| Owner Occupied HU | 17,563 (55.3%) |
| Renter Occupied HU | 13,096 (41.2%) |
| Vacant Housing Units | 1,122 ( 3.5%) |
| Median Home Value | $597,549 |
| Average Home Value | $644,907 |
Housing Distribution
Address Breakdown
Residential
31,108
Single Family
27,251
Multi-Family
3,857
Businesses
1,353
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 1947
8,999 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94565, Pittsburg, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,781 (100%) |
| Owner Occupied HU | 17,563 (55.3%) |
| Renter Occupied HU | 13,096 (41.2%) |
| Vacant Housing Units | 1,122 ( 3.5%) |
| Median Home Value | $597,549 |
| Average Home Value | $644,907 |
Housing Distribution
Address Breakdown
Residential
31,108
Single Family
27,251
Multi-Family
3,857
Businesses
1,353
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julio Saldana • Realty Plus
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225032781
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