27 Windward HlOaklandCA94618
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 27 Windward Hl, Oakland, CA, 94618 in Oakland is listed at $1,299,000 and delivers $8,436/mo in rent and $245/mo in net monthly cash flow. The 7.79% yield and 1.44 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $358,890 over five years, and $11,964/yr in principal reduction supplements cash return. Total projected cumulative return: $509,034.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 4.8% |
| Monthly Cash Flow | $245 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,436 |
| Total Monthly Debt Service | $7,674 |
| 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.
Townhouse
Built in 1994
1,742 sqft lot
$N/A/sqft
$465 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94618, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,626 (100%) |
| Owner Occupied HU | 4,452 (58.4%) |
| Renter Occupied HU | 2,687 (35.2%) |
| Vacant Housing Units | 487 ( 6.4%) |
| Median Home Value | $1,891,532 |
| Average Home Value | $1,784,963 |
Housing Distribution
Address Breakdown
Residential
7,771
Single Family
5,699
Multi-Family
2,072
Businesses
519
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
Townhouse
Built in 1994
1,742 sqft lot
$N/A/sqft
$465 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94618, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,626 (100%) |
| Owner Occupied HU | 4,452 (58.4%) |
| Renter Occupied HU | 2,687 (35.2%) |
| Vacant Housing Units | 487 ( 6.4%) |
| Median Home Value | $1,891,532 |
| Average Home Value | $1,784,963 |
Housing Distribution
Address Breakdown
Residential
7,771
Single Family
5,699
Multi-Family
2,072
Businesses
519
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices