881 21st StOaklandCA94607
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 881 21st St, Oakland, CA, 94607 in Oakland is narrow, $194/mo net on $4,028/mo rent after the $2,787/mo debt service, but the property operates at break-even-plus, not a loss. At $619,900 with a 7.8% yield, the long-run equity case via 5% appreciation ($171,267 over five years) and $5,709/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $247,539.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 4.8% |
| Monthly Cash Flow | $194 | $1,850 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,028 |
| Total Monthly Debt Service | $3,588 |
| DSCR Ratio | 1.12x |
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 1891
1,916 sqft 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
Single Family
Built in 1891
1,916 sqft 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: Travis Azevedo • A 2 Z Homes, Inc.
Mls Name: MetroList Services of CA
Mls ID: #225114358