4101 Howe St APT 308OaklandCA94611
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 4101 Howe St APT 308, Oakland, CA, 94611 in Oakland hard to pass up. The 11.66% gross yield on a $499,000 purchase results in $4,848/mo in rent and $766/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.16). Annual cash flow of $9,197, five-year appreciation of $137,865, and $4,596/yr in equity build-up combine for a projected total cumulative return of $242,843.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 4.8% |
| Monthly Cash Flow | $766 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,848 |
| Total Monthly Debt Service | $3,883 |
| DSCR Ratio | 1.25x |
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 1966
0.42 Acres lot
$N/A/sqft
$442 monthly 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 1966
0.42 Acres lot
$N/A/sqft
$442 monthly 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