7 Embarcadero W APT 115OaklandCA94607
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 7 Embarcadero W APT 115, Oakland, CA, 94607 in Oakland speaks for itself: 11.45% gross on a $289,900 price, generating $2,767/mo in rent and $974/mo in net income after the $1,304/mo debt service. DSCR 2.12, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,686 stacks alongside $80,094 in projected five-year appreciation and $2,670/yr in principal reduction. Projected total cumulative return: $172,572.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 4.8% |
| Monthly Cash Flow | $974 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,767 |
| Total Monthly Debt Service | $1,678 |
| DSCR Ratio | 1.65x |
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.
Condo
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94607, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,083 (100%) |
| Owner Occupied HU | 3,477 (23.1%) |
| Renter Occupied HU | 10,159 (67.4%) |
| Vacant Housing Units | 1,447 ( 9.6%) |
| Median Home Value | $850,945 |
| Average Home Value | $956,402 |
Housing Distribution
Address Breakdown
Residential
13,304
Single Family
5,845
Multi-Family
7,459
Businesses
2,595
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94607, Oakland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,083 (100%) |
| Owner Occupied HU | 3,477 (23.1%) |
| Renter Occupied HU | 10,159 (67.4%) |
| Vacant Housing Units | 1,447 ( 9.6%) |
| Median Home Value | $850,945 |
| Average Home Value | $956,402 |
Housing Distribution
Address Breakdown
Residential
13,304
Single Family
5,845
Multi-Family
7,459
Businesses
2,595
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gilbert Torres • Realty Of America
Mls Name: MetroList Services of CA
Mls ID: #225119350