494 McCall DriveBeniciaCA94510
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 494 McCall Drive, Benicia, CA, 94510 in Benicia worth study. Rental yield 5.31%. The 5.31% gross yield is below cash-flow benchmarks at $1,050,000, but 5% annual appreciation, adding $290,096 over five years, frames this as a capital growth position. Rent of $4,648/mo partially offsets the $4,721/mo payment. Ziffy Mortgage finances appreciation-play properties (0.98 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $279,273.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.5% |
| Monthly Cash Flow | $(1,847) | $2,000 |
City averages based on Benicia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,648 |
| Total Monthly Debt Service | $6,078 |
| DSCR Ratio | 0.76x |
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.
Single Family
Built in 1997
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94510, Benicia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,237 (100%) |
| Owner Occupied HU | 7,542 (67.1%) |
| Renter Occupied HU | 3,209 (28.6%) |
| Vacant Housing Units | 486 ( 4.3%) |
| Median Home Value | $813,862 |
| Average Home Value | $830,633 |
Housing Distribution
Address Breakdown
Residential
11,240
Single Family
9,453
Multi-Family
1,787
Businesses
1,626
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 1997
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94510, Benicia, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,237 (100%) |
| Owner Occupied HU | 7,542 (67.1%) |
| Renter Occupied HU | 3,209 (28.6%) |
| Vacant Housing Units | 486 ( 4.3%) |
| Median Home Value | $813,862 |
| Average Home Value | $830,633 |
Housing Distribution
Address Breakdown
Residential
11,240
Single Family
9,453
Multi-Family
1,787
Businesses
1,626
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Terrin Kelly • Twin Oaks Real Estate INC
Mls Name: BAREIS
Mls Provider:
Mls ID: #325056728
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.