5915 San Pablo AveOaklandCA94608
INVESTMENT ANALYSIS
Investment Verdict
Solid Income5915 San Pablo Ave, Oakland, CA, 94608 in Oakland carries a 1.72 coverage ratio, rent of $5,405/mo is 1.72 times the $3,147/mo payment. Rental yield 9.27%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $699,900 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $193,369; total projected cumulative return: $260,777.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 4.8% |
| Monthly Cash Flow | $(156) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,405 |
| Total Monthly Debt Service | $5,282 |
| DSCR Ratio | 1.02x |
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 1919
3,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94608, Emeryville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,730 (100%) |
| Owner Occupied HU | 5,074 (28.6%) |
| Renter Occupied HU | 11,087 (62.5%) |
| Vacant Housing Units | 1,569 ( 8.8%) |
| Median Home Value | $992,047 |
| Average Home Value | $1,097,014 |
Housing Distribution
Address Breakdown
Residential
16,280
Single Family
7,484
Multi-Family
8,796
Businesses
1,822
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 1919
3,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94608, Emeryville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,730 (100%) |
| Owner Occupied HU | 5,074 (28.6%) |
| Renter Occupied HU | 11,087 (62.5%) |
| Vacant Housing Units | 1,569 ( 8.8%) |
| Median Home Value | $992,047 |
| Average Home Value | $1,097,014 |
Housing Distribution
Address Breakdown
Residential
16,280
Single Family
7,484
Multi-Family
8,796
Businesses
1,822
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anh Hoang Pham • SkyGroup Realty Inc.
Mls Name: SFAR
Mls Provider:
Mls ID: #425012235
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.