662 Calmar AveOaklandCA94610
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.83% gross rental yield, 662 Calmar Ave, Oakland, CA, 94610 in Oakland is priced for capital growth, not immediate cash flow. The $1,489,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $411,383 by year five, with $13,714/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.89) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $357,273.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 4.8% |
| Monthly Cash Flow | $(3,222) | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,989 |
| Total Monthly Debt Service | $8,619 |
| DSCR Ratio | 0.69x |
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 1926
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94610, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,703 (100%) |
| Owner Occupied HU | 5,410 (34.5%) |
| Renter Occupied HU | 9,352 (59.6%) |
| Vacant Housing Units | 941 ( 6.0%) |
| Median Home Value | $1,627,188 |
| Average Home Value | $1,535,032 |
Housing Distribution
Address Breakdown
Residential
16,235
Single Family
6,012
Multi-Family
10,223
Businesses
969
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 1926
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94610, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,703 (100%) |
| Owner Occupied HU | 5,410 (34.5%) |
| Renter Occupied HU | 9,352 (59.6%) |
| Vacant Housing Units | 941 ( 6.0%) |
| Median Home Value | $1,627,188 |
| Average Home Value | $1,535,032 |
Housing Distribution
Address Breakdown
Residential
16,235
Single Family
6,012
Multi-Family
10,223
Businesses
969
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexandra Andersen • Side, Inc.
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41124134