199 Shepard StHerculesCA94547
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 199 Shepard St, Hercules, CA, 94547 in Hercules. Rental yield 4.34%. At $1,000,000 with 4.34% gross yield, current distributions are modest, but the 5% appreciation rate projects $276,282 in new equity by year five, complemented by $9,210/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.80) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $213,858.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.0% |
| Monthly Cash Flow | $(2,569) | $1,200 |
City averages based on Hercules market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,617 |
| Total Monthly Debt Service | $5,788 |
| DSCR Ratio | 0.62x |
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 1989
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94547, Hercules, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,421 (100%) |
| Owner Occupied HU | 6,828 (72.5%) |
| Renter Occupied HU | 2,206 (23.4%) |
| Vacant Housing Units | 387 ( 4.1%) |
| Median Home Value | $784,940 |
| Average Home Value | $843,488 |
Housing Distribution
Address Breakdown
Residential
9,000
Single Family
7,941
Multi-Family
1,059
Businesses
310
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 1989
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94547, Hercules, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,421 (100%) |
| Owner Occupied HU | 6,828 (72.5%) |
| Renter Occupied HU | 2,206 (23.4%) |
| Vacant Housing Units | 387 ( 4.1%) |
| Median Home Value | $784,940 |
| Average Home Value | $843,488 |
Housing Distribution
Address Breakdown
Residential
9,000
Single Family
7,941
Multi-Family
1,059
Businesses
310
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Leyva • Corcoran Icon Properties
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41110772