4885 Geranium PlOaklandCA94619
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4885 Geranium Pl, Oakland, CA, 94619 in Oakland at $1,048,000 earns $6,845/mo in rent and nets $53/mo after the $4,712/mo payment, a 7.84% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $289,543 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $9,652/yr in principal paydown, total projected return reaches $402,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 4.8% |
| Monthly Cash Flow | $53 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,845 |
| Total Monthly Debt Service | $6,375 |
| DSCR Ratio | 1.07x |
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 1956
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94619, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,581 (100%) |
| Owner Occupied HU | 5,831 (60.9%) |
| Renter Occupied HU | 3,286 (34.3%) |
| Vacant Housing Units | 464 ( 4.8%) |
| Median Home Value | $1,045,352 |
| Average Home Value | $1,191,082 |
Housing Distribution
Address Breakdown
Residential
9,597
Single Family
7,994
Multi-Family
1,603
Businesses
529
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 1956
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94619, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,581 (100%) |
| Owner Occupied HU | 5,831 (60.9%) |
| Renter Occupied HU | 3,286 (34.3%) |
| Vacant Housing Units | 464 ( 4.8%) |
| Median Home Value | $1,045,352 |
| Average Home Value | $1,191,082 |
Housing Distribution
Address Breakdown
Residential
9,597
Single Family
7,994
Multi-Family
1,603
Businesses
529
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices