38643 Country TerFremontCA94536
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 38643 Country Ter, Fremont, CA, 94536 in Fremont at $675,000 earns $4,865/mo in rent and nets $130/mo after the $3,035/mo payment, a 8.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $186,490 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $6,217/yr in principal paydown, total projected return reaches $266,760.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 5.1% |
| Monthly Cash Flow | $130 | $2,500 |
City averages based on Fremont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,865 |
| Total Monthly Debt Service | $4,466 |
| DSCR Ratio | 1.09x |
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.
Condo
Built in 1979
0.81 Acres lot
$N/A/sqft
$439 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94536, Fremont, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,415 (100%) |
| Owner Occupied HU | 13,875 (52.5%) |
| Renter Occupied HU | 11,527 (43.6%) |
| Vacant Housing Units | 1,013 ( 3.8%) |
| Median Home Value | $1,348,124 |
| Average Home Value | $1,389,652 |
Housing Distribution
Address Breakdown
Residential
25,999
Single Family
18,941
Multi-Family
7,058
Businesses
1,088
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
Condo
Built in 1979
0.81 Acres lot
$N/A/sqft
$439 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94536, Fremont, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,415 (100%) |
| Owner Occupied HU | 13,875 (52.5%) |
| Renter Occupied HU | 11,527 (43.6%) |
| Vacant Housing Units | 1,013 ( 3.8%) |
| Median Home Value | $1,348,124 |
| Average Home Value | $1,389,652 |
Housing Distribution
Address Breakdown
Residential
25,999
Single Family
18,941
Multi-Family
7,058
Businesses
1,088
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices