39 Quail Hill LnRichmondCA94803
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 39 Quail Hill Ln, Richmond, CA, 94803 in Richmond is narrow, $71/mo net on $3,943/mo rent after the $2,545/mo debt service, but the property operates at break-even-plus, not a loss. At $565,888 with a 8.36% yield, the long-run equity case via 5% appreciation ($156,344 over five years) and $5,212/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.55 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $243,063.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.5% |
| Monthly Cash Flow | $71 | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,943 |
| Total Monthly Debt Service | $3,276 |
| DSCR Ratio | 1.20x |
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 1978
2,252 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94803, El Sobrante, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,745 (100%) |
| Owner Occupied HU | 6,564 (67.4%) |
| Renter Occupied HU | 2,766 (28.4%) |
| Vacant Housing Units | 415 ( 4.3%) |
| Median Home Value | $812,573 |
| Average Home Value | $917,555 |
Housing Distribution
Address Breakdown
Residential
9,595
Single Family
8,115
Multi-Family
1,480
Businesses
356
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 1978
2,252 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94803, El Sobrante, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,745 (100%) |
| Owner Occupied HU | 6,564 (67.4%) |
| Renter Occupied HU | 2,766 (28.4%) |
| Vacant Housing Units | 415 ( 4.3%) |
| Median Home Value | $812,573 |
| Average Home Value | $917,555 |
Housing Distribution
Address Breakdown
Residential
9,595
Single Family
8,115
Multi-Family
1,480
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Vernice Bayne-Bickham • KW Sac Metro
Mls Name: MetroList Services of CA
Mls ID: #225153796