705 Seaview DrEl CerritoCA94530
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 705 Seaview Dr, El Cerrito, CA, 94530 in El Cerrito: $8,064/mo in rent, $3,424/mo net, 12.9% gross yield, all on a $750,000 acquisition. The 2.39 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $207,211 in value, and $6,908/yr in principal paydown steadily builds equity. Projected total cumulative return: $504,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 5.0% |
| Monthly Cash Flow | $3,424 | $1,500 |
City averages based on El Cerrito market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,064 |
| Total Monthly Debt Service | $4,341 |
| DSCR Ratio | 1.86x |
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.
Lot
Built in N/A
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94530, El Cerrito, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 6,184 (55.6%) |
| Renter Occupied HU | 4,368 (39.3%) |
| Vacant Housing Units | 574 ( 5.2%) |
| Median Home Value | $1,081,164 |
| Average Home Value | $1,205,118 |
Housing Distribution
Address Breakdown
Residential
11,022
Single Family
8,757
Multi-Family
2,265
Businesses
819
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
Lot
Built in N/A
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94530, El Cerrito, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,126 (100%) |
| Owner Occupied HU | 6,184 (55.6%) |
| Renter Occupied HU | 4,368 (39.3%) |
| Vacant Housing Units | 574 ( 5.2%) |
| Median Home Value | $1,081,164 |
| Average Home Value | $1,205,118 |
Housing Distribution
Address Breakdown
Residential
11,022
Single Family
8,757
Multi-Family
2,265
Businesses
819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices