9 S 45th StRichmondCA94804
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 9 S 45th St, Richmond, CA, 94804 in Richmond at $591,600. Rental yield 6.43%. The 6.43% yield and 1.19 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $163,448 by year five, and $5,449/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $191,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.5% |
| Monthly Cash Flow | $(515) | $250 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,169 |
| Total Monthly Debt Service | $3,449 |
| DSCR Ratio | 0.92x |
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.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94804, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,065 (100%) |
| Owner Occupied HU | 7,694 (47.9%) |
| Renter Occupied HU | 7,578 (47.2%) |
| Vacant Housing Units | 793 ( 4.9%) |
| Median Home Value | $707,589 |
| Average Home Value | $803,285 |
Housing Distribution
Address Breakdown
Residential
15,528
Single Family
12,603
Multi-Family
2,925
Businesses
1,213
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94804, Richmond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,065 (100%) |
| Owner Occupied HU | 7,694 (47.9%) |
| Renter Occupied HU | 7,578 (47.2%) |
| Vacant Housing Units | 793 ( 4.9%) |
| Median Home Value | $707,589 |
| Average Home Value | $803,285 |
Housing Distribution
Address Breakdown
Residential
15,528
Single Family
12,603
Multi-Family
2,925
Businesses
1,213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Zillow Rentals
Mls ID: #N/A