39152 Guardino Dr APT 108FremontCA94538
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 39152 Guardino Dr APT 108, Fremont, CA, 94538 in Fremont at $594,000 earns $4,571/mo in rent and nets $182/mo after the $2,671/mo payment, a 9.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $164,111 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $5,471/yr in principal paydown, total projected return reaches $240,078.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.1% |
| Monthly Cash Flow | $182 | $2,500 |
City averages based on Fremont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,571 |
| Total Monthly Debt Service | $4,153 |
| DSCR Ratio | 1.10x |
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 1990
4.88 Acres lot
$N/A/sqft
$563 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94538, Fremont, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,484 (100%) |
| Owner Occupied HU | 10,624 (43.4%) |
| Renter Occupied HU | 12,116 (49.5%) |
| Vacant Housing Units | 1,744 ( 7.1%) |
| Median Home Value | $1,190,285 |
| Average Home Value | $1,209,831 |
Housing Distribution
Address Breakdown
Residential
23,798
Single Family
15,392
Multi-Family
8,406
Businesses
3,823
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 1990
4.88 Acres lot
$N/A/sqft
$563 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94538, Fremont, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,484 (100%) |
| Owner Occupied HU | 10,624 (43.4%) |
| Renter Occupied HU | 12,116 (49.5%) |
| Vacant Housing Units | 1,744 ( 7.1%) |
| Median Home Value | $1,190,285 |
| Average Home Value | $1,209,831 |
Housing Distribution
Address Breakdown
Residential
23,798
Single Family
15,392
Multi-Family
8,406
Businesses
3,823
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices