513 Joree LnSan RamonCA94582
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 513 Joree Ln, San Ramon, CA, 94582 in San Ramon fits: $1,040,000, 5.14% gross yield, and a projected 5% annual appreciation rate adding $287,333 in value within five years. Rental yield 5.14%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.95) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,578/yr in principal paydown and $287,333 in appreciation project a total return of $230,317.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.0% |
| Monthly Cash Flow | $(2,591) | $1,500 |
City averages based on San Ramon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,451 |
| Total Monthly Debt Service | $6,628 |
| DSCR Ratio | 0.67x |
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.
Condo
Built in 2004
N/A lot
$N/A/sqft
$290 monthly HOA
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
Condo
Built in 2004
N/A lot
$N/A/sqft
$290 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rosalind Chin • Coldwell Banker
Mls Name: CCAR
Mls Provider:
Mls ID: #41098329
Disclaimer: CCAR 2025. Bay East 2025. bridgeMLS 2025. Information Deemed Reliable But Not Guaranteed. This information is being provided by the CCAR MLS, or Bay East MLS, or bridgeMLS. The listings presented here may or may not be listed by the Broker/Agent operating this website. This information is intended for the personal use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated at 2025-11-04 02:50:09 PST