362 S 35th StRichmondCA94804
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 362 S 35th St, Richmond, CA, 94804 in Richmond: $3,774/mo in rent, $440/mo in net income, 8.4% gross yield, 1.56 DSCR, all at $539,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $148,916 in appreciation and $4,964/yr in principal paydown projects total cumulative return of $232,650.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.5% |
| Monthly Cash Flow | $440 | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,774 |
| Total Monthly Debt Service | $3,120 |
| DSCR Ratio | 1.21x |
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 1942
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94804, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,065 (100%) |
| Owner Occupied HU | 7,694 (47.9%) |
| Renter Occupied HU | 7,578 (47.2%) |
| Vacant Housing Units | 793 ( 4.9%) |
| Median Home Value | $707,589 |
| Average Home Value | $803,285 |
Housing Distribution
Address Breakdown
Residential
15,528
Single Family
12,603
Multi-Family
2,925
Businesses
1,213
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 1942
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94804, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,065 (100%) |
| Owner Occupied HU | 7,694 (47.9%) |
| Renter Occupied HU | 7,578 (47.2%) |
| Vacant Housing Units | 793 ( 4.9%) |
| Median Home Value | $707,589 |
| Average Home Value | $803,285 |
Housing Distribution
Address Breakdown
Residential
15,528
Single Family
12,603
Multi-Family
2,925
Businesses
1,213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CCAR
Mls ID: #41128261