4493 Montgomery St #6OaklandCA94611
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4493 Montgomery St #6, Oakland, CA, 94611 in Oakland the bet is firmly on appreciation. Rental yield 5.66%. The 5.66% gross yield on a $999,800 price is below income-first thresholds, but 5%/yr value growth projects $276,226 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.05) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $232,728.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 4.8% |
| Monthly Cash Flow | $(2,333) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,716 |
| Total Monthly Debt Service | $6,651 |
| DSCR Ratio | 0.71x |
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.
Townhouse
Built in 1983
0.81 Acres lot
$N/A/sqft
$500 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94611, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,438 (100%) |
| Owner Occupied HU | 10,184 (55.2%) |
| Renter Occupied HU | 7,300 (39.6%) |
| Vacant Housing Units | 954 ( 5.2%) |
| Median Home Value | $1,713,928 |
| Average Home Value | $1,667,447 |
Housing Distribution
Address Breakdown
Residential
18,900
Single Family
12,145
Multi-Family
6,755
Businesses
995
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
Townhouse
Built in 1983
0.81 Acres lot
$N/A/sqft
$500 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94611, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,438 (100%) |
| Owner Occupied HU | 10,184 (55.2%) |
| Renter Occupied HU | 7,300 (39.6%) |
| Vacant Housing Units | 954 ( 5.2%) |
| Median Home Value | $1,713,928 |
| Average Home Value | $1,667,447 |
Housing Distribution
Address Breakdown
Residential
18,900
Single Family
12,145
Multi-Family
6,755
Businesses
995
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices