1720 Laguna St APT DConcordCA94520
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 1720 Laguna St APT D, Concord, CA, 94520 in Concord clears it at 1.73, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.32%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $80,122; $2,671/yr in principal equity; total projected return: $98,900.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $(218) | $250 |
City averages based on Concord market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,251 |
| Total Monthly Debt Service | $2,353 |
| DSCR Ratio | 0.96x |
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.
Condo
Built in 1970
644.69 sqft lot
$N/A/sqft
$525 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94520, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,403 (100%) |
| Owner Occupied HU | 5,182 (36.0%) |
| Renter Occupied HU | 8,554 (59.4%) |
| Vacant Housing Units | 667 ( 4.6%) |
| Median Home Value | $611,281 |
| Average Home Value | $673,614 |
Housing Distribution
Address Breakdown
Residential
13,774
Single Family
6,675
Multi-Family
7,099
Businesses
2,730
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
Condo
Built in 1970
644.69 sqft lot
$N/A/sqft
$525 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94520, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,403 (100%) |
| Owner Occupied HU | 5,182 (36.0%) |
| Renter Occupied HU | 8,554 (59.4%) |
| Vacant Housing Units | 667 ( 4.6%) |
| Median Home Value | $611,281 |
| Average Home Value | $673,614 |
Housing Distribution
Address Breakdown
Residential
13,774
Single Family
6,675
Multi-Family
7,099
Businesses
2,730
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Trujillo • Luxe Realty Group
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls Provider:
Mls ID: #41080239
Disclaimer: Bay East 2025. CCAR 2025. bridgeMLS 2025. Information Deemed Reliable But Not Guaranteed. This information is being provided by the Bay East MLS, or CCAR MLS, or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website. This information is intended for the personal use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated at 2025-02-11 21:45:37 PST.