20 W Ruby StRichmondCA94801
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 20 W Ruby St, Richmond, CA, 94801 in Richmond at $399,888 earns $2,551/mo in rent and nets $77/mo after the $1,798/mo payment, a 7.66% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $110,482 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,683/yr in principal paydown, total projected return reaches $156,621.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.5% |
| Monthly Cash Flow | $77 | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,551 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 1948
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94801, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,643 (100%) |
| Owner Occupied HU | 4,301 (40.4%) |
| Renter Occupied HU | 5,723 (53.8%) |
| Vacant Housing Units | 619 ( 5.8%) |
| Median Home Value | $667,820 |
| Average Home Value | $818,383 |
Housing Distribution
Address Breakdown
Residential
10,030
Single Family
8,128
Multi-Family
1,902
Businesses
696
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 1948
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94801, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,643 (100%) |
| Owner Occupied HU | 4,301 (40.4%) |
| Renter Occupied HU | 5,723 (53.8%) |
| Vacant Housing Units | 619 ( 5.8%) |
| Median Home Value | $667,820 |
| Average Home Value | $818,383 |
Housing Distribution
Address Breakdown
Residential
10,030
Single Family
8,128
Multi-Family
1,902
Businesses
696
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Manraj Sachdeva • Kw Advisors
Mls Name: Bay East AOR
Mls ID: #41105256