215 Callia CtOakleyCA94561
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 215 Callia Ct, Oakley, CA, 94561 in Oakley speaks for itself: 10.01% gross on a $649,999 price, generating $5,423/mo in rent and $1,109/mo in net income after the $2,923/mo debt service. DSCR 1.86, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,312 stacks alongside $179,583 in projected five-year appreciation and $5,987/yr in principal reduction. Projected total cumulative return: $319,115.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.5% |
| Monthly Cash Flow | $1,109 | $300 |
City averages based on Oakley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,423 |
| Total Monthly Debt Service | $4,055 |
| DSCR Ratio | 1.34x |
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 1988
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,291 (100%) |
| Owner Occupied HU | 11,571 (75.7%) |
| Renter Occupied HU | 3,167 (20.7%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $658,050 |
| Average Home Value | $741,306 |
Housing Distribution
Address Breakdown
Residential
14,971
Single Family
14,382
Multi-Family
589
Businesses
464
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 1988
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,291 (100%) |
| Owner Occupied HU | 11,571 (75.7%) |
| Renter Occupied HU | 3,167 (20.7%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $658,050 |
| Average Home Value | $741,306 |
Housing Distribution
Address Breakdown
Residential
14,971
Single Family
14,382
Multi-Family
589
Businesses
464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices