643 Foster Ct APT 4HaywardCA94544
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 643 Foster Ct APT 4, Hayward, CA, 94544 in Hayward aligned with their strategy. Rental yield 7.02%. DSCR 1.30 and 7.02% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $5,756/yr in paydown build toward a projected cumulative return of $169,582.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.0% |
| Monthly Cash Flow | $(1,108) | $800 |
City averages based on Hayward market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,656 |
| Total Monthly Debt Service | $4,516 |
| DSCR Ratio | 0.81x |
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.
Townhouse
Built in 1981
N/A lot
$N/A/sqft
$794 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94544, Hayward, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,658 (100%) |
| Owner Occupied HU | 12,411 (48.4%) |
| Renter Occupied HU | 11,989 (46.7%) |
| Vacant Housing Units | 1,258 ( 4.9%) |
| Median Home Value | $816,372 |
| Average Home Value | $908,386 |
Housing Distribution
Address Breakdown
Residential
24,688
Single Family
16,615
Multi-Family
8,073
Businesses
1,637
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
Townhouse
Built in 1981
N/A lot
$N/A/sqft
$794 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94544, Hayward, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,658 (100%) |
| Owner Occupied HU | 12,411 (48.4%) |
| Renter Occupied HU | 11,989 (46.7%) |
| Vacant Housing Units | 1,258 ( 4.9%) |
| Median Home Value | $816,372 |
| Average Home Value | $908,386 |
Housing Distribution
Address Breakdown
Residential
24,688
Single Family
16,615
Multi-Family
8,073
Businesses
1,637
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices