430 Foothill BlvdOaklandCA94606
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 430 Foothill Blvd, Oakland, CA, 94606 in Oakland, $938,000, 7.44% gross yield, $13/mo net income. Consider it a market-entry position, the $5,815/mo rent covers the $4,218/mo payment with a margin, and 5%/yr appreciation is projected to add $259,152 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.38) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $356,471.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 4.8% |
| Monthly Cash Flow | $13 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,815 |
| Total Monthly Debt Service | $5,429 |
| DSCR Ratio | 1.07x |
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.
Multi Family
Built in 1895
3,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94606, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,554 (100%) |
| Owner Occupied HU | 2,905 (16.5%) |
| Renter Occupied HU | 12,960 (73.8%) |
| Vacant Housing Units | 1,689 ( 9.6%) |
| Median Home Value | $905,119 |
| Average Home Value | $1,038,600 |
Housing Distribution
Address Breakdown
Residential
15,938
Single Family
7,073
Multi-Family
8,865
Businesses
992
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
Multi Family
Built in 1895
3,700 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94606, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,554 (100%) |
| Owner Occupied HU | 2,905 (16.5%) |
| Renter Occupied HU | 12,960 (73.8%) |
| Vacant Housing Units | 1,689 ( 9.6%) |
| Median Home Value | $905,119 |
| Average Home Value | $1,038,600 |
Housing Distribution
Address Breakdown
Residential
15,938
Single Family
7,073
Multi-Family
8,865
Businesses
992
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices