8530 Terrace DrEl CerritoCA94530
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 8530 Terrace Dr, El Cerrito, CA, 94530 in El Cerrito earns a 9.21% gross yield at $795,000. Rent of $6,101/mo nets $1,183/mo after the $3,575/mo mortgage. The 1.71 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $219,644 and $7,322/yr in equity accumulation project a total cumulative return of $377,601.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.0% |
| Monthly Cash Flow | $1,183 | $1,500 |
City averages based on El Cerrito market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,101 |
| Total Monthly Debt Service | $4,602 |
| DSCR Ratio | 1.33x |
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.
Single Family
Built in 1952
5,227 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
Single Family
Built in 1952
5,227 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
Listed by: Darrell Hoh • COMPASS
Mls Name: bridgeMLS/CCAR/Bay East AOR
Mls ID: #41120804