20 Terrace DrConcordCA94518
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow20 Terrace Dr, Concord, CA, 94518 in Concord earns its strong cash-flow label: 19.32% yield, $3,204/mo rent, $1,973/mo net income, DSCR 3.58. The $199,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $54,980 by year five. Combined with $1,833/yr in principal paydown, total projected return reaches $202,398.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.3% | 6.0% |
| Monthly Cash Flow | $1,973 | $250 |
City averages based on Concord market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,204 |
| Total Monthly Debt Service | $1,152 |
| DSCR Ratio | 2.78x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94518, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,769 (100%) |
| Owner Occupied HU | 6,871 (63.8%) |
| Renter Occupied HU | 3,501 (32.5%) |
| Vacant Housing Units | 397 ( 3.7%) |
| Median Home Value | $840,074 |
| Average Home Value | $875,255 |
Housing Distribution
Address Breakdown
Residential
10,462
Single Family
8,209
Multi-Family
2,253
Businesses
492
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
Manufactured
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94518, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,769 (100%) |
| Owner Occupied HU | 6,871 (63.8%) |
| Renter Occupied HU | 3,501 (32.5%) |
| Vacant Housing Units | 397 ( 3.7%) |
| Median Home Value | $840,074 |
| Average Home Value | $875,255 |
Housing Distribution
Address Breakdown
Residential
10,462
Single Family
8,209
Multi-Family
2,253
Businesses
492
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices