187 Miramonte DrMoragaCA94556
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 187 Miramonte Dr, Moraga, CA, 94556 in Moraga is a conservative rental investment at $980,000. Rental yield 6.05%. A 1.12 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $270,756; $9,026/yr in principal paydown supplements. Total projected return: $299,630.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 5.2% |
| Monthly Cash Flow | $(1,779) | $1,500 |
City averages based on Moraga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,944 |
| Total Monthly Debt Service | $5,673 |
| DSCR Ratio | 0.87x |
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.
Townhouse
Built in 1965
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
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
Townhouse
Built in 1965
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cathy Schultheis • Coldwell Banker
Mls Name: CCAR
Mls ID: #41124786