2020 81st AveOaklandCA94621
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.81% gross rental yield, 2020 81st Ave, Oakland, CA, 94621 in Oakland is priced for capital growth, not immediate cash flow. The $1,130,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $312,198 by year five, with $10,407/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.71) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $196,703.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 4.8% |
| Monthly Cash Flow | $(3,616) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,587 |
| Total Monthly Debt Service | $6,754 |
| DSCR Ratio | 0.53x |
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 1965
6,751 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94621, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,383 (100%) |
| Owner Occupied HU | 3,249 (31.3%) |
| Renter Occupied HU | 6,555 (63.1%) |
| Vacant Housing Units | 579 ( 5.6%) |
| Median Home Value | $548,950 |
| Average Home Value | $667,114 |
Housing Distribution
Address Breakdown
Residential
9,630
Single Family
7,510
Multi-Family
2,120
Businesses
1,867
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 1965
6,751 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94621, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,383 (100%) |
| Owner Occupied HU | 3,249 (31.3%) |
| Renter Occupied HU | 6,555 (63.1%) |
| Vacant Housing Units | 579 ( 5.6%) |
| Median Home Value | $548,950 |
| Average Home Value | $667,114 |
Housing Distribution
Address Breakdown
Residential
9,630
Single Family
7,510
Multi-Family
2,120
Businesses
1,867
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steven Tam • eXp Realty of Northern CA Inc.
Mls Name: SFAR
Mls Provider:
Mls ID: #424071568
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.