4485 Hock Maple CtConcordCA94521
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4485 Hock Maple Ct, Concord, CA, 94521 in Concord worth study. Rental yield 5.16%. The 5.16% gross yield is below cash-flow benchmarks at $1,085,000, but 5% annual appreciation, adding $299,766 over five years, frames this as a capital growth position. Rent of $4,668/mo partially offsets the $4,879/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $279,858.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(2,044) | $250 |
City averages based on Concord market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,668 |
| Total Monthly Debt Service | $6,280 |
| DSCR Ratio | 0.74x |
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 1976
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94521, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,254 (100%) |
| Owner Occupied HU | 11,203 (68.9%) |
| Renter Occupied HU | 4,563 (28.1%) |
| Vacant Housing Units | 488 ( 3.0%) |
| Median Home Value | $850,525 |
| Average Home Value | $898,586 |
Housing Distribution
Address Breakdown
Residential
16,123
Single Family
11,806
Multi-Family
4,317
Businesses
505
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 1976
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94521, Concord, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,254 (100%) |
| Owner Occupied HU | 11,203 (68.9%) |
| Renter Occupied HU | 4,563 (28.1%) |
| Vacant Housing Units | 488 ( 3.0%) |
| Median Home Value | $850,525 |
| Average Home Value | $898,586 |
Housing Distribution
Address Breakdown
Residential
16,123
Single Family
11,806
Multi-Family
4,317
Businesses
505
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nancy Bennett • Keller Williams Realty
Mls Name: CCAR
Mls ID: #41115726