1900-1904 21st AveOaklandCA94606
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 1900-1904 21st Ave, Oakland, CA, 94606 in Oakland is a conservative rental investment at $558,000. Rental yield 6.9%. A 1.28 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $154,165; $5,139/yr in principal paydown supplements. Total projected return: $196,061.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 4.8% |
| Monthly Cash Flow | $(242) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,210 |
| Total Monthly Debt Service | $3,230 |
| DSCR Ratio | 0.99x |
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.
Multi Family
Built in 1924
3,600 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
Multi Family
Built in 1924
3,600 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: Tammie Trinh • Momentum Realty
Mls Name: MLSListings Inc
Mls ID: #ML82032743