2605 Ryan RdConcordCA94518
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.38% gross rental yield, 2605 Ryan Rd, Concord, CA, 94518 in Concord is priced for capital growth, not immediate cash flow. The $960,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $265,230 by year five, with $8,842/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.00) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $258,719.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.0% |
| Monthly Cash Flow | $(1,636) | $250 |
City averages based on Concord market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,303 |
| Total Monthly Debt Service | $5,557 |
| DSCR Ratio | 0.77x |
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 1961
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94518, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,769 (100%) |
| Owner Occupied HU | 6,871 (63.8%) |
| Renter Occupied HU | 3,501 (32.5%) |
| Vacant Housing Units | 397 ( 3.7%) |
| Median Home Value | $840,074 |
| Average Home Value | $875,255 |
Housing Distribution
Address Breakdown
Residential
10,462
Single Family
8,209
Multi-Family
2,253
Businesses
492
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 1961
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94518, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,769 (100%) |
| Owner Occupied HU | 6,871 (63.8%) |
| Renter Occupied HU | 3,501 (32.5%) |
| Vacant Housing Units | 397 ( 3.7%) |
| Median Home Value | $840,074 |
| Average Home Value | $875,255 |
Housing Distribution
Address Breakdown
Residential
10,462
Single Family
8,209
Multi-Family
2,253
Businesses
492
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Casey Moutier • Dudum Real Estate Group
Mls Name: CCAR
Mls ID: #41120358