327 Ratto RdAlamedaCA94502
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 327 Ratto Rd, Alameda, CA, 94502 in Alameda worth study. Rental yield 5.03%. The 5.03% gross yield is below cash-flow benchmarks at $1,349,000, but 5% annual appreciation, adding $372,704 over five years, frames this as a capital growth position. Rent of $5,654/mo partially offsets the $6,066/mo payment. Ziffy Mortgage finances appreciation-play properties (0.93 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $338,336.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.5% |
| Monthly Cash Flow | $(3,072) | $250 |
City averages based on Alameda market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,654 |
| Total Monthly Debt Service | $7,808 |
| DSCR Ratio | 0.72x |
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 1997
4,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94502, Alameda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,163 (100%) |
| Owner Occupied HU | 4,086 (79.1%) |
| Renter Occupied HU | 874 (16.9%) |
| Vacant Housing Units | 203 ( 3.9%) |
| Median Home Value | $1,364,754 |
| Average Home Value | $1,397,967 |
Housing Distribution
Address Breakdown
Residential
5,267
Single Family
5,094
Multi-Family
173
Businesses
269
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 1997
4,050 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94502, Alameda, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,163 (100%) |
| Owner Occupied HU | 4,086 (79.1%) |
| Renter Occupied HU | 874 (16.9%) |
| Vacant Housing Units | 203 ( 3.9%) |
| Median Home Value | $1,364,754 |
| Average Home Value | $1,397,967 |
Housing Distribution
Address Breakdown
Residential
5,267
Single Family
5,094
Multi-Family
173
Businesses
269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lily Chow • Infinite Realty & Investments
Mls Name: MLSListings Inc
Mls ID: #ML82031117