3226 Linden StOaklandCA94608
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3226 Linden St, Oakland, CA, 94608 in Oakland speaks for itself: 12.42% gross on a $675,000 price, generating $6,984/mo in rent and $2,207/mo in net income after the $3,035/mo debt service. DSCR 2.30, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $26,487 stacks alongside $186,490 in projected five-year appreciation and $6,217/yr in principal reduction. Projected total cumulative return: $400,572.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 4.8% |
| Monthly Cash Flow | $2,207 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,984 |
| Total Monthly Debt Service | $4,508 |
| DSCR Ratio | 1.55x |
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 2006
N/A lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94608, Emeryville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,730 (100%) |
| Owner Occupied HU | 5,074 (28.6%) |
| Renter Occupied HU | 11,087 (62.5%) |
| Vacant Housing Units | 1,569 ( 8.8%) |
| Median Home Value | $992,047 |
| Average Home Value | $1,097,014 |
Housing Distribution
Address Breakdown
Residential
16,280
Single Family
7,484
Multi-Family
8,796
Businesses
1,822
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 2006
N/A lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94608, Emeryville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,730 (100%) |
| Owner Occupied HU | 5,074 (28.6%) |
| Renter Occupied HU | 11,087 (62.5%) |
| Vacant Housing Units | 1,569 ( 8.8%) |
| Median Home Value | $992,047 |
| Average Home Value | $1,097,014 |
Housing Distribution
Address Breakdown
Residential
16,280
Single Family
7,484
Multi-Family
8,796
Businesses
1,822
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices