5153 Fern Ridge CirDiscovery BayCA94505
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 5153 Fern Ridge Cir, Discovery Bay, CA, 94505 in Discovery Bay at $749,000. Rental yield 7.52%. The 7.52% yield and 1.39 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $206,935 by year five, and $6,898/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $274,128.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.0% |
| Monthly Cash Flow | $(170) | $1,200 |
City averages based on Discovery Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,697 |
| Total Monthly Debt Service | $4,568 |
| DSCR Ratio | 1.03x |
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 2005
6,108 sqft lot
$N/A/sqft
$198 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
Single Family
Built in 2005
6,108 sqft lot
$N/A/sqft
$198 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Briani Phelps • Christie's International Real Estate Sereno
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82000690
Disclaimer: Based on information from the MLSListings MLS as of 2025-04-03 00:14:57 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.