5539 Harmon AveOaklandCA94621
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 5539 Harmon Ave, Oakland, CA, 94621 in Oakland hard to pass up. The 11.23% gross yield on a $425,000 purchase results in $3,977/mo in rent and $843/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.08). Annual cash flow of $10,120, five-year appreciation of $117,420, and $3,914/yr in equity build-up combine for a projected total cumulative return of $217,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 4.8% |
| Monthly Cash Flow | $843 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,977 |
| Total Monthly Debt Service | $2,964 |
| DSCR Ratio | 1.34x |
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 1923
4,321 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94621, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,383 (100%) |
| Owner Occupied HU | 3,249 (31.3%) |
| Renter Occupied HU | 6,555 (63.1%) |
| Vacant Housing Units | 579 ( 5.6%) |
| Median Home Value | $548,950 |
| Average Home Value | $667,114 |
Housing Distribution
Address Breakdown
Residential
9,630
Single Family
7,510
Multi-Family
2,120
Businesses
1,867
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 1923
4,321 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94621, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,383 (100%) |
| Owner Occupied HU | 3,249 (31.3%) |
| Renter Occupied HU | 6,555 (63.1%) |
| Vacant Housing Units | 579 ( 5.6%) |
| Median Home Value | $548,950 |
| Average Home Value | $667,114 |
Housing Distribution
Address Breakdown
Residential
9,630
Single Family
7,510
Multi-Family
2,120
Businesses
1,867
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Claudia Lopez • RE/MAX Gold
Mls Name: BAREIS
Mls Provider:
Mls ID: #325023532
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.