2039 Sand Point RdDiscovery BayCA94505
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 2039 Sand Point Rd, Discovery Bay, CA, 94505 in Discovery Bay achieves a 1.72 ratio at $498,800: $3,854/mo rent versus $2,243/mo debt service. Rental yield 9.27%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.27% yield compounds alongside 5% annual appreciation projecting $137,809 in value. Total projected cumulative return: $191,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $(20) | $1,200 |
City averages based on Discovery Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,854 |
| Total Monthly Debt Service | $3,676 |
| DSCR Ratio | 1.05x |
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.
Townhouse
Built in 1982
2,613 sqft lot
$N/A/sqft
$710 monthly HOA
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
Townhouse
Built in 1982
2,613 sqft lot
$N/A/sqft
$710 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maureen Prince • Flat Rate Realty
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls Provider:
Mls ID: #41092353
Disclaimer: Bay East 2025. CCAR 2025. bridgeMLS 2025. Information Deemed Reliable But Not Guaranteed. This information is being provided by the Bay East MLS, or CCAR MLS, or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website. This information is intended for the personal use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated at 2025-04-07 14:23:26 PDT.