2301 87th AveOaklandCA94605
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2301 87th Ave, Oakland, CA, 94605 in Oakland fits: $499,500, 5.87% gross yield, and a projected 5% annual appreciation rate adding $138,003 in value within five years. Rental yield 5.87%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.42) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,600/yr in principal paydown and $138,003 in appreciation project a total return of $195,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 4.8% |
| Monthly Cash Flow | $(842) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,179 |
| Total Monthly Debt Service | $2,891 |
| DSCR Ratio | 1.10x |
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 1920
3,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94605, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,738 (100%) |
| Owner Occupied HU | 9,324 (55.7%) |
| Renter Occupied HU | 6,588 (39.4%) |
| Vacant Housing Units | 826 ( 4.9%) |
| Median Home Value | $928,785 |
| Average Home Value | $1,070,066 |
Housing Distribution
Address Breakdown
Residential
16,316
Single Family
13,339
Multi-Family
2,977
Businesses
674
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 1920
3,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94605, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,738 (100%) |
| Owner Occupied HU | 9,324 (55.7%) |
| Renter Occupied HU | 6,588 (39.4%) |
| Vacant Housing Units | 826 ( 4.9%) |
| Median Home Value | $928,785 |
| Average Home Value | $1,070,066 |
Housing Distribution
Address Breakdown
Residential
16,316
Single Family
13,339
Multi-Family
2,977
Businesses
674
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #226003629