22ndOaklandCA94612
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Oakland at 22nd, Oakland, CA, 94612 projects strong ROI of 1.2%. Rental yield 1.36%. With 5% annual appreciation, the property builds $1,215,639 in value over five years. Equity growth combined delivers a projected five-year ROI of 19.21%, translating into $238,761 in total cumulative return on $1,243,000 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 4.8% |
| Monthly Cash Flow | $(22,215) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,004 |
| Total Monthly Debt Service | $25,468 |
| DSCR Ratio | 0.20x |
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.
Multi Family
Built in 1910
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94612, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,452 (100%) |
| Owner Occupied HU | 1,041 ( 6.7%) |
| Renter Occupied HU | 12,200 (79.0%) |
| Vacant Housing Units | 2,211 (14.3%) |
| Median Home Value | $974,308 |
| Average Home Value | $1,023,123 |
Housing Distribution
Address Breakdown
Residential
12,436
Single Family
2,038
Multi-Family
10,398
Businesses
2,973
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 1910
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94612, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,452 (100%) |
| Owner Occupied HU | 1,041 ( 6.7%) |
| Renter Occupied HU | 12,200 (79.0%) |
| Vacant Housing Units | 2,211 (14.3%) |
| Median Home Value | $974,308 |
| Average Home Value | $1,023,123 |
Housing Distribution
Address Breakdown
Residential
12,436
Single Family
2,038
Multi-Family
10,398
Businesses
2,973
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices