6123 Seneca CirDiscovery BayCA94505
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 6123 Seneca Cir, Discovery Bay, CA, 94505 in Discovery Bay is a conservative rental investment at $779,000. Rental yield 7.2%. A 1.33 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $215,223; $7,175/yr in principal paydown supplements. Total projected return: $254,711.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.0% |
| Monthly Cash Flow | $(668) | $1,200 |
City averages based on Discovery Bay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,673 |
| Total Monthly Debt Service | $5,030 |
| DSCR Ratio | 0.93x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
6,900 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
6,900 sqft lot
$N/A/sqft
$198 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephanie Barden • GUIDE Real Estate
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225077017
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