2427 35th AveOaklandCA94601
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2427 35th Ave, Oakland, CA, 94601 in Oakland fits: $689,000, 5.09% gross yield, and a projected 5% annual appreciation rate adding $190,358 in value within five years. Rental yield 5.09%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,346/yr in principal paydown and $190,358 in appreciation project a total return of $168,638.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 4.8% |
| Monthly Cash Flow | $(1,447) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,923 |
| Total Monthly Debt Service | $4,096 |
| DSCR Ratio | 0.71x |
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.
Single Family
Built in 1925
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94601, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,370 (100%) |
| Owner Occupied HU | 5,201 (29.9%) |
| Renter Occupied HU | 11,244 (64.7%) |
| Vacant Housing Units | 925 ( 5.3%) |
| Median Home Value | $729,822 |
| Average Home Value | $818,769 |
Housing Distribution
Address Breakdown
Residential
16,059
Single Family
10,050
Multi-Family
6,009
Businesses
1,689
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 1925
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94601, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,370 (100%) |
| Owner Occupied HU | 5,201 (29.9%) |
| Renter Occupied HU | 11,244 (64.7%) |
| Vacant Housing Units | 925 ( 5.3%) |
| Median Home Value | $729,822 |
| Average Home Value | $818,769 |
Housing Distribution
Address Breakdown
Residential
16,059
Single Family
10,050
Multi-Family
6,009
Businesses
1,689
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices