847 Liberty StEl CerritoCA94530
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 847 Liberty St, El Cerrito, CA, 94530 in El Cerrito fits: $998,000, 5.01% gross yield, and a projected 5% annual appreciation rate adding $275,729 in value within five years. Rental yield 5.01%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.93) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,192/yr in principal paydown and $275,729 in appreciation project a total return of $238,617.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 5.0% |
| Monthly Cash Flow | $(2,185) | $1,500 |
City averages based on El Cerrito market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,163 |
| Total Monthly Debt Service | $5,951 |
| DSCR Ratio | 0.70x |
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.
Multi Family
Built in 1955
6,098 sqft 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
Multi Family
Built in 1955
6,098 sqft 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