475 Vermont AveBerkeleyCA94707
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Berkeley rental at 475 Vermont Ave, Berkeley, CA, 94707 sits in the solid-income band: 8.85% gross yield, $7,334/mo rent, $1,013/mo net after the $4,474/mo debt service, DSCR 1.64. Entry price of $995,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $274,900 and $9,164/yr in principal reduction bring total cumulative return to $443,168.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $1,013 | $1,500 |
City averages based on Berkeley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,334 |
| Total Monthly Debt Service | $5,926 |
| DSCR Ratio | 1.24x |
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 1926
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94707, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,251 (100%) |
| Owner Occupied HU | 4,153 (79.1%) |
| Renter Occupied HU | 815 (15.5%) |
| Vacant Housing Units | 283 ( 5.4%) |
| Median Home Value | $1,773,072 |
| Average Home Value | $1,728,088 |
Housing Distribution
Address Breakdown
Residential
5,167
Single Family
4,990
Multi-Family
177
Businesses
568
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 1926
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94707, Berkeley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,251 (100%) |
| Owner Occupied HU | 4,153 (79.1%) |
| Renter Occupied HU | 815 (15.5%) |
| Vacant Housing Units | 283 ( 5.4%) |
| Median Home Value | $1,773,072 |
| Average Home Value | $1,728,088 |
Housing Distribution
Address Breakdown
Residential
5,167
Single Family
4,990
Multi-Family
177
Businesses
568
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices