4145 Emerald StOaklandCA94609
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4145 Emerald St, Oakland, CA, 94609 in Oakland. Rental yield 5.05%. At $1,090,000 with 5.05% gross yield, current distributions are modest, but the 5% appreciation rate projects $301,147 in new equity by year five, complemented by $10,039/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.94) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $232,456.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 4.8% |
| Monthly Cash Flow | $(2,859) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,588 |
| Total Monthly Debt Service | $7,013 |
| DSCR Ratio | 0.65x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 1916
1,716 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94609, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,403 (100%) |
| Owner Occupied HU | 3,180 (25.6%) |
| Renter Occupied HU | 7,952 (64.1%) |
| Vacant Housing Units | 1,271 (10.2%) |
| Median Home Value | $1,363,032 |
| Average Home Value | $1,408,278 |
Housing Distribution
Address Breakdown
Residential
11,115
Single Family
6,160
Multi-Family
4,955
Businesses
1,288
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
Single Family
Built in 1916
1,716 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94609, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,403 (100%) |
| Owner Occupied HU | 3,180 (25.6%) |
| Renter Occupied HU | 7,952 (64.1%) |
| Vacant Housing Units | 1,271 (10.2%) |
| Median Home Value | $1,363,032 |
| Average Home Value | $1,408,278 |
Housing Distribution
Address Breakdown
Residential
11,115
Single Family
6,160
Multi-Family
4,955
Businesses
1,288
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Roark R. O'neill • Coldwell Banker Realty
Mls Name: SFAR
Mls Provider:
Mls ID: #425049891
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.