2704 Ridge RoadSan PabloCA94806
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 2704 Ridge Road, San Pablo, CA, 94806 in San Pablo at $640,000 earns $3,985/mo in rent and nets $26/mo after the $2,878/mo payment, a 7.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $176,820 over five years. Ziffy Mortgage underwrites this on a 1.38 DSCR without U.S. credit history. With $5,894/yr in principal paydown, total projected return reaches $244,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $26 | $300 |
City averages based on San Pablo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,985 |
| Total Monthly Debt Service | $3,705 |
| DSCR Ratio | 1.08x |
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.
Manufactured
Built in 1999
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94806, San Pablo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,909 (100%) |
| Owner Occupied HU | 10,042 (48.0%) |
| Renter Occupied HU | 10,058 (48.1%) |
| Vacant Housing Units | 809 ( 3.9%) |
| Median Home Value | $658,348 |
| Average Home Value | $761,102 |
Housing Distribution
Address Breakdown
Residential
20,425
Single Family
14,561
Multi-Family
5,864
Businesses
1,069
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
Manufactured
Built in 1999
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94806, San Pablo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,909 (100%) |
| Owner Occupied HU | 10,042 (48.0%) |
| Renter Occupied HU | 10,058 (48.1%) |
| Vacant Housing Units | 809 ( 3.9%) |
| Median Home Value | $658,348 |
| Average Home Value | $761,102 |
Housing Distribution
Address Breakdown
Residential
20,425
Single Family
14,561
Multi-Family
5,864
Businesses
1,069
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326024737