5330 Bancroft AveOaklandCA94601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5330 Bancroft Ave, Oakland, CA, 94601 in Oakland. Priced at $598,800, it generates $6,290/mo in gross rent and $2,511/mo in net monthly cash flow, a 12.61% yield that comfortably supports the 2.34 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $30,129. Five-year appreciation: $165,437. Equity from principal paydown: $5,515/yr. Total projected cumulative return: $388,930.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 4.8% |
| Monthly Cash Flow | $2,511 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,290 |
| Total Monthly Debt Service | $3,541 |
| DSCR Ratio | 1.78x |
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.
Multi Family
Built in 1944
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94601, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,370 (100%) |
| Owner Occupied HU | 5,201 (29.9%) |
| Renter Occupied HU | 11,244 (64.7%) |
| Vacant Housing Units | 925 ( 5.3%) |
| Median Home Value | $729,822 |
| Average Home Value | $818,769 |
Housing Distribution
Address Breakdown
Residential
16,059
Single Family
10,050
Multi-Family
6,009
Businesses
1,689
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
Multi Family
Built in 1944
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94601, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,370 (100%) |
| Owner Occupied HU | 5,201 (29.9%) |
| Renter Occupied HU | 11,244 (64.7%) |
| Vacant Housing Units | 925 ( 5.3%) |
| Median Home Value | $729,822 |
| Average Home Value | $818,769 |
Housing Distribution
Address Breakdown
Residential
16,059
Single Family
10,050
Multi-Family
6,009
Businesses
1,689
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices