455 Crescent St APT 312OaklandCA94610
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 455 Crescent St APT 312, Oakland, CA, 94610 in Oakland at $309,900 earns $1,967/mo in rent and nets $50/mo after the $1,394/mo payment, a 7.62% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,620 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $2,854/yr in principal paydown, total projected return reaches $120,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.8% |
| Monthly Cash Flow | $50 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,967 |
| Total Monthly Debt Service | $1,794 |
| DSCR Ratio | 1.10x |
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 1968
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94610, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,703 (100%) |
| Owner Occupied HU | 5,410 (34.5%) |
| Renter Occupied HU | 9,352 (59.6%) |
| Vacant Housing Units | 941 ( 6.0%) |
| Median Home Value | $1,627,188 |
| Average Home Value | $1,535,032 |
Housing Distribution
Address Breakdown
Residential
16,235
Single Family
6,012
Multi-Family
10,223
Businesses
969
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 1968
0.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94610, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,703 (100%) |
| Owner Occupied HU | 5,410 (34.5%) |
| Renter Occupied HU | 9,352 (59.6%) |
| Vacant Housing Units | 941 ( 6.0%) |
| Median Home Value | $1,627,188 |
| Average Home Value | $1,535,032 |
Housing Distribution
Address Breakdown
Residential
16,235
Single Family
6,012
Multi-Family
10,223
Businesses
969
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Claudette Naturel • Key Realty
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41118764