3121 Benjamin DrRichmondCA94806
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3121 Benjamin Dr, Richmond, CA, 94806 in Richmond earns a 8.56% gross yield at $618,888. Rent of $4,416/mo nets $206/mo after the $2,783/mo mortgage. The 1.59 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $170,987 and $5,700/yr in equity accumulation project a total cumulative return of $249,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $206 | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,416 |
| Total Monthly Debt Service | $3,964 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 1955
5,750 sqft 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
Single Family
Built in 1955
5,750 sqft 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