426 27th St APT 104BOaklandCA94612
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 426 27th St APT 104B, Oakland, CA, 94612 in Oakland. Priced at $439,000, it generates $5,558/mo in gross rent and $1,889/mo in net monthly cash flow, a 15.19% yield that comfortably supports the 2.82 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $22,667. Five-year appreciation: $121,288. Equity from principal paydown: $4,043/yr. Total projected cumulative return: $292,176.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.2% | 4.8% |
| Monthly Cash Flow | $1,889 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,558 |
| Total Monthly Debt Service | $3,495 |
| DSCR Ratio | 1.59x |
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 2003
0.37 Acres lot
$N/A/sqft
$788 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94612, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,452 (100%) |
| Owner Occupied HU | 1,041 ( 6.7%) |
| Renter Occupied HU | 12,200 (79.0%) |
| Vacant Housing Units | 2,211 (14.3%) |
| Median Home Value | $974,308 |
| Average Home Value | $1,023,123 |
Housing Distribution
Address Breakdown
Residential
12,436
Single Family
2,038
Multi-Family
10,398
Businesses
2,973
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 2003
0.37 Acres lot
$N/A/sqft
$788 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94612, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,452 (100%) |
| Owner Occupied HU | 1,041 ( 6.7%) |
| Renter Occupied HU | 12,200 (79.0%) |
| Vacant Housing Units | 2,211 (14.3%) |
| Median Home Value | $974,308 |
| Average Home Value | $1,023,123 |
Housing Distribution
Address Breakdown
Residential
12,436
Single Family
2,038
Multi-Family
10,398
Businesses
2,973
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices