5104 Simoni CtEl SobranteCA94803
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 5104 Simoni Ct, El Sobrante, CA, 94803 in El Sobrante delivers $6,859/mo in gross rent and $1,607/mo in net monthly income at a $849,000 entry. The 9.69% yield and 1.80 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $234,563 over five years and $7,819/yr in equity from loan paydown, total projected return is $425,333.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.0% |
| Monthly Cash Flow | $1,607 | $2,500 |
City averages based on El Sobrante market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,859 |
| Total Monthly Debt Service | $4,914 |
| DSCR Ratio | 1.40x |
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 1972
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94803, El Sobrante, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,745 (100%) |
| Owner Occupied HU | 6,564 (67.4%) |
| Renter Occupied HU | 2,766 (28.4%) |
| Vacant Housing Units | 415 ( 4.3%) |
| Median Home Value | $812,573 |
| Average Home Value | $917,555 |
Housing Distribution
Address Breakdown
Residential
9,595
Single Family
8,115
Multi-Family
1,480
Businesses
356
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 1972
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94803, El Sobrante, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,745 (100%) |
| Owner Occupied HU | 6,564 (67.4%) |
| Renter Occupied HU | 2,766 (28.4%) |
| Vacant Housing Units | 415 ( 4.3%) |
| Median Home Value | $812,573 |
| Average Home Value | $917,555 |
Housing Distribution
Address Breakdown
Residential
9,595
Single Family
8,115
Multi-Family
1,480
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices