6356 Kensington AveRichmondCA94805
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 6356 Kensington Ave, Richmond, CA, 94805 in Richmond earns a 8.29% gross yield at $1,095,000. Rent of $7,568/mo nets $345/mo after the $4,924/mo mortgage. The 1.54 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $302,528 and $10,085/yr in equity accumulation project a total cumulative return of $439,285.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $345 | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,568 |
| Total Monthly Debt Service | $6,788 |
| 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.
Single Family
Built in 1958
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94805, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,433 (100%) |
| Owner Occupied HU | 3,356 (61.8%) |
| Renter Occupied HU | 1,877 (34.5%) |
| Vacant Housing Units | 200 ( 3.7%) |
| Median Home Value | $795,286 |
| Average Home Value | $858,719 |
Housing Distribution
Address Breakdown
Residential
5,252
Single Family
4,866
Multi-Family
386
Businesses
424
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 1958
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94805, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,433 (100%) |
| Owner Occupied HU | 3,356 (61.8%) |
| Renter Occupied HU | 1,877 (34.5%) |
| Vacant Housing Units | 200 ( 3.7%) |
| Median Home Value | $795,286 |
| Average Home Value | $858,719 |
Housing Distribution
Address Breakdown
Residential
5,252
Single Family
4,866
Multi-Family
386
Businesses
424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices