301 E Ruby St, Oakley, CA, 94561 | $220/mo Cash Flow

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NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Oakley at 301 E Ruby St, Oakley, CA, 94561 offers $2,942/mo rent that, after a $2,154/mo payment, leaves $220/mo cash flow. Total monthly income is $2,942/mo, and annual cash flow is $2,636/yr on $145,860 cash. Return on cash invested measures 21.72% in year one, and rental yield stands at 8.02% at a $440,000 entry. Equity gained on principal adds $2,839/yr while 5% annual appreciation compounds into $121,564 by year five. Five-year ROI records 112.54% and total cumulative return in cash reaches $164,146. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $2,942/mo property income versus a $2,154/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.

Single Family

Built in 1938

4,487 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	15,291 (100%)
Owner Occupied HU	11,571 (75.7%)
Renter Occupied HU	3,167 (20.7%)
Vacant Housing Units	553 ( 3.6%)
Median Home Value	$658,050
Average Home Value	$741,306