2705 Ponce AveBelmontCA94002
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2705 Ponce Ave, Belmont, CA, 94002 in Belmont worth study. Rental yield 3.17%. The 3.17% gross yield is below cash-flow benchmarks at $1,850,000, but 5% annual appreciation, adding $511,121 over five years, frames this as a capital growth position. Rent of $4,894/mo partially offsets the $8,319/mo payment. Ziffy Mortgage finances appreciation-play properties (0.59 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $265,600.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 4.5% |
| Monthly Cash Flow | $(6,790) | $700 |
City averages based on Belmont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,894 |
| Total Monthly Debt Service | $10,947 |
| DSCR Ratio | 0.45x |
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 1948
5,621 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94002, Belmont, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,725 (100%) |
| Owner Occupied HU | 6,363 (54.3%) |
| Renter Occupied HU | 4,489 (38.3%) |
| Vacant Housing Units | 873 ( 7.4%) |
| Median Home Value | $1,890,903 |
| Average Home Value | $1,800,842 |
Housing Distribution
Address Breakdown
Residential
11,165
Single Family
7,443
Multi-Family
3,722
Businesses
1,062
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 1948
5,621 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94002, Belmont, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,725 (100%) |
| Owner Occupied HU | 6,363 (54.3%) |
| Renter Occupied HU | 4,489 (38.3%) |
| Vacant Housing Units | 873 ( 7.4%) |
| Median Home Value | $1,890,903 |
| Average Home Value | $1,800,842 |
Housing Distribution
Address Breakdown
Residential
11,165
Single Family
7,443
Multi-Family
3,722
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alanna Swartz • Vanguard Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425035012
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.