2075 Costa CtPinoleCA94564
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2075 Costa Ct, Pinole, CA, 94564 in Pinole is narrow, $10/mo net on $5,082/mo rent after the $3,687/mo debt service, but the property operates at break-even-plus, not a loss. At $819,900 with a 7.44% yield, the long-run equity case via 5% appreciation ($226,523 over five years) and $7,551/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $311,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.0% |
| Monthly Cash Flow | $10 | $300 |
City averages based on Pinole market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,082 |
| Total Monthly Debt Service | $4,746 |
| DSCR Ratio | 1.07x |
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 1965
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94564, Pinole, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,632 (100%) |
| Owner Occupied HU | 4,517 (68.1%) |
| Renter Occupied HU | 1,845 (27.8%) |
| Vacant Housing Units | 270 ( 4.1%) |
| Median Home Value | $747,549 |
| Average Home Value | $877,608 |
Housing Distribution
Address Breakdown
Residential
6,956
Single Family
6,158
Multi-Family
798
Businesses
682
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 1965
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94564, Pinole, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,632 (100%) |
| Owner Occupied HU | 4,517 (68.1%) |
| Renter Occupied HU | 1,845 (27.8%) |
| Vacant Housing Units | 270 ( 4.1%) |
| Median Home Value | $747,549 |
| Average Home Value | $877,608 |
Housing Distribution
Address Breakdown
Residential
6,956
Single Family
6,158
Multi-Family
798
Businesses
682
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carl Schober • Old Time Realtors
Mls Name: CCAR
Mls ID: #41122109