1745 Cedar StBerkeleyCA94703
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1745 Cedar St, Berkeley, CA, 94703 in Berkeley worth study. Rental yield 5.37%. The 5.37% gross yield is below cash-flow benchmarks at $845,000, but 5% annual appreciation, adding $233,458 over five years, frames this as a capital growth position. Rent of $3,782/mo partially offsets the $3,800/mo payment. Ziffy Mortgage finances appreciation-play properties (1.00 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $227,376.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.0% |
| Monthly Cash Flow | $(1,445) | $1,500 |
City averages based on Berkeley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,782 |
| Total Monthly Debt Service | $4,891 |
| DSCR Ratio | 0.77x |
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 N/A
4,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94703, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,079 (100%) |
| Owner Occupied HU | 3,434 (34.1%) |
| Renter Occupied HU | 5,746 (57.0%) |
| Vacant Housing Units | 899 ( 8.9%) |
| Median Home Value | $1,529,032 |
| Average Home Value | $1,519,687 |
Housing Distribution
Address Breakdown
Residential
8,898
Single Family
5,478
Multi-Family
3,420
Businesses
427
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 N/A
4,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94703, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,079 (100%) |
| Owner Occupied HU | 3,434 (34.1%) |
| Renter Occupied HU | 5,746 (57.0%) |
| Vacant Housing Units | 899 ( 8.9%) |
| Median Home Value | $1,529,032 |
| Average Home Value | $1,519,687 |
Housing Distribution
Address Breakdown
Residential
8,898
Single Family
5,478
Multi-Family
3,420
Businesses
427
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew P Reagan • Coldwell Banker Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325024500
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.