4863 Bayside WayOakleyCA94561
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 4863 Bayside Way, Oakley, CA, 94561 in Oakley is straightforward: $560,000 in, $3,890/mo in rent, $426/mo out after debt service. The 8.34% gross yield and 1.54 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $154,718 by year five. With $5,158/yr in principal equity, the total cumulative return is projected at $239,749.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $426 | $300 |
City averages based on Oakley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,890 |
| Total Monthly Debt Service | $3,241 |
| DSCR Ratio | 1.20x |
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 1992
5,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,291 (100%) |
| Owner Occupied HU | 11,571 (75.7%) |
| Renter Occupied HU | 3,167 (20.7%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $658,050 |
| Average Home Value | $741,306 |
Housing Distribution
Address Breakdown
Residential
14,971
Single Family
14,382
Multi-Family
589
Businesses
464
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 1992
5,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94561, Oakley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,291 (100%) |
| Owner Occupied HU | 11,571 (75.7%) |
| Renter Occupied HU | 3,167 (20.7%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $658,050 |
| Average Home Value | $741,306 |
Housing Distribution
Address Breakdown
Residential
14,971
Single Family
14,382
Multi-Family
589
Businesses
464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mirna Tin • KW Santa Clara Valley Inc
Mls Name: MLSListings Inc
Mls ID: #ML82027282