555 Pierce St APT 104AlbanyCA94706
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow555 Pierce St APT 104, Albany, CA, 94706 in Albany earns a respectable 11.32% gross yield at $303,800, but after the $1,366/mo mortgage the net cash flow is $167/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (2.10) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $83,934 over five years, making equity the dominant return driver. Total projected return: $129,568.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 5.0% |
| Monthly Cash Flow | $167 | $2,500 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,866 |
| Total Monthly Debt Service | $2,578 |
| DSCR Ratio | 1.11x |
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.
Condo
Built in 1977
N/A lot
$N/A/sqft
$659 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94706, Albany, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,968 (100%) |
| Owner Occupied HU | 3,902 (49.0%) |
| Renter Occupied HU | 3,600 (45.2%) |
| Vacant Housing Units | 466 ( 5.8%) |
| Median Home Value | $1,359,932 |
| Average Home Value | $1,396,764 |
Housing Distribution
Address Breakdown
Residential
8,116
Single Family
5,762
Multi-Family
2,354
Businesses
754
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 1977
N/A lot
$N/A/sqft
$659 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94706, Albany, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,968 (100%) |
| Owner Occupied HU | 3,902 (49.0%) |
| Renter Occupied HU | 3,600 (45.2%) |
| Vacant Housing Units | 466 ( 5.8%) |
| Median Home Value | $1,359,932 |
| Average Home Value | $1,396,764 |
Housing Distribution
Address Breakdown
Residential
8,116
Single Family
5,762
Multi-Family
2,354
Businesses
754
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Allan Bolte • ALBANY HILL REALTY
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls Provider:
Mls ID: #41098188
Disclaimer: Bay East 2025. CCAR 2025. bridgeMLS 2025. Information Deemed Reliable But Not Guaranteed. This information is being provided by the Bay East MLS, or CCAR 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 2025-11-03 03:09:40 PST.