651 Moraga Rd APT 26MoragaCA94556
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder651 Moraga Rd APT 26, Moraga, CA, 94556 in Moraga is a stable, well-positioned rental at $575,000. Rental yield 7.2%. DSCR 1.33 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $158,862 in value and $5,296/yr in principal paydown builds equity, a total projected return of $166,147.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.2% |
| Monthly Cash Flow | $(857) | $1,500 |
City averages based on Moraga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,451 |
| Total Monthly Debt Service | $4,079 |
| DSCR Ratio | 0.85x |
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.
Condo
Built in 1962
N/A lot
$N/A/sqft
$751 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
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 1962
N/A lot
$N/A/sqft
$751 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94556, Moraga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,936 (100%) |
| Owner Occupied HU | 4,712 (79.4%) |
| Renter Occupied HU | 977 (16.5%) |
| Vacant Housing Units | 247 ( 4.2%) |
| Median Home Value | $1,717,505 |
| Average Home Value | $1,658,430 |
Housing Distribution
Address Breakdown
Residential
5,987
Single Family
5,138
Multi-Family
849
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices