2073 Watermill RdSan RamonCA94582
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2073 Watermill Rd, San Ramon, CA, 94582 in San Ramon at $998,800, 5.83% gross yield, is a market-growth asset. Rental yield 5.83%. The $4,852/mo rent partially funds the $4,491/mo debt service; the core return is the 5%/yr price growth projected to add $275,950 over five years. Ziffy Mortgage's DSCR mortgage (1.08) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $293,348.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 5.0% |
| Monthly Cash Flow | $(1,662) | $1,500 |
City averages based on San Ramon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,852 |
| Total Monthly Debt Service | $5,781 |
| DSCR Ratio | 0.84x |
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.
Condo
Built in 2005
N/A lot
$N/A/sqft
No 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
Condo
Built in 2005
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joujou Chawla • Compass
Mls Name: CCAR
Mls ID: #41119366