401 Monte Vista Ave APT 103OaklandCA94611
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 401 Monte Vista Ave APT 103, Oakland, CA, 94611 in Oakland achieves a 1.53 ratio at $383,000: $2,637/mo rent versus $1,722/mo debt service. Rental yield 7.91%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 7.91% yield compounds alongside 5% annual appreciation projecting $105,816 in value. Total projected cumulative return: $162,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 4.8% |
| Monthly Cash Flow | $(906) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,637 |
| Total Monthly Debt Service | $2,217 |
| DSCR Ratio | 1.19x |
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 1971
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94611, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,438 (100%) |
| Owner Occupied HU | 10,184 (55.2%) |
| Renter Occupied HU | 7,300 (39.6%) |
| Vacant Housing Units | 954 ( 5.2%) |
| Median Home Value | $1,713,928 |
| Average Home Value | $1,667,447 |
Housing Distribution
Address Breakdown
Residential
18,900
Single Family
12,145
Multi-Family
6,755
Businesses
995
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 1971
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94611, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,438 (100%) |
| Owner Occupied HU | 10,184 (55.2%) |
| Renter Occupied HU | 7,300 (39.6%) |
| Vacant Housing Units | 954 ( 5.2%) |
| Median Home Value | $1,713,928 |
| Average Home Value | $1,667,447 |
Housing Distribution
Address Breakdown
Residential
18,900
Single Family
12,145
Multi-Family
6,755
Businesses
995
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bo Falcon • Coldwell Banker Bartels
Mls Name: CCAR
Mls ID: #41104050