2221-2223 San Pablo AveBerkeleyCA94702
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 2221-2223 San Pablo Ave, Berkeley, CA, 94702 in Berkeley: $5,760/mo in rent, $632/mo in net income, 8.34% gross yield, 1.55 DSCR, all at $829,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $229,037 in appreciation and $7,635/yr in principal paydown projects total cumulative return of $354,998.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $632 | $1,500 |
City averages based on Berkeley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,760 |
| Total Monthly Debt Service | $4,799 |
| DSCR Ratio | 1.20x |
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.
Multi Family
Built in 1920
5,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94702, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,727 (100%) |
| Owner Occupied HU | 3,384 (43.8%) |
| Renter Occupied HU | 3,821 (49.4%) |
| Vacant Housing Units | 522 ( 6.8%) |
| Median Home Value | $1,360,843 |
| Average Home Value | $1,399,626 |
Housing Distribution
Address Breakdown
Residential
7,844
Single Family
5,733
Multi-Family
2,111
Businesses
624
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 1920
5,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94702, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,727 (100%) |
| Owner Occupied HU | 3,384 (43.8%) |
| Renter Occupied HU | 3,821 (49.4%) |
| Vacant Housing Units | 522 ( 6.8%) |
| Median Home Value | $1,360,843 |
| Average Home Value | $1,399,626 |
Housing Distribution
Address Breakdown
Residential
7,844
Single Family
5,733
Multi-Family
2,111
Businesses
624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SFAR
Mls ID: #426114276