4431 Pampas AveOaklandCA94619
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 4431 Pampas Ave, Oakland, CA, 94619 in Oakland achieves a 1.63 ratio at $425,000: $3,121/mo rent versus $1,911/mo debt service. Rental yield 6.24%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 6.24% yield compounds alongside 5% annual appreciation projecting $117,420 in value. Total projected cumulative return: $162,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 4.8% |
| Monthly Cash Flow | $(989) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,121 |
| Total Monthly Debt Service | $2,968 |
| DSCR Ratio | 1.05x |
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.
Single Family
Built in 1911
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94619, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,581 (100%) |
| Owner Occupied HU | 5,831 (60.9%) |
| Renter Occupied HU | 3,286 (34.3%) |
| Vacant Housing Units | 464 ( 4.8%) |
| Median Home Value | $1,045,352 |
| Average Home Value | $1,191,082 |
Housing Distribution
Address Breakdown
Residential
9,597
Single Family
7,994
Multi-Family
1,603
Businesses
529
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 1911
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94619, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,581 (100%) |
| Owner Occupied HU | 5,831 (60.9%) |
| Renter Occupied HU | 3,286 (34.3%) |
| Vacant Housing Units | 464 ( 4.8%) |
| Median Home Value | $1,045,352 |
| Average Home Value | $1,191,082 |
Housing Distribution
Address Breakdown
Residential
9,597
Single Family
7,994
Multi-Family
1,603
Businesses
529
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A