2629 Celaya CirSan RamonCA94583
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.01% gross rental yield, 2629 Celaya Cir, San Ramon, CA, 94583 in San Ramon is priced for capital growth, not immediate cash flow. The $1,448,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $400,056 by year five, with $13,336/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.74) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $283,809.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.0% |
| Monthly Cash Flow | $(4,151) | $1,500 |
City averages based on San Ramon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,836 |
| Total Monthly Debt Service | $8,381 |
| DSCR Ratio | 0.58x |
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 1978
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94583, San Ramon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,524 (100%) |
| Owner Occupied HU | 9,778 (67.3%) |
| Renter Occupied HU | 4,288 (29.5%) |
| Vacant Housing Units | 458 ( 3.2%) |
| Median Home Value | $1,340,340 |
| Average Home Value | $1,394,112 |
Housing Distribution
Address Breakdown
Residential
14,028
Single Family
10,896
Multi-Family
3,132
Businesses
2,436
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 1978
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94583, San Ramon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,524 (100%) |
| Owner Occupied HU | 9,778 (67.3%) |
| Renter Occupied HU | 4,288 (29.5%) |
| Vacant Housing Units | 458 ( 3.2%) |
| Median Home Value | $1,340,340 |
| Average Home Value | $1,394,112 |
Housing Distribution
Address Breakdown
Residential
14,028
Single Family
10,896
Multi-Family
3,132
Businesses
2,436
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Zaitz • Compass
Mls Name: Bay East AOR
Mls ID: #41120762