907 H StUnion CityCA94587
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 907 H St, Union City, CA, 94587 in Union City: $6,107/mo in rent, $1,060/mo in net income, 9.17% gross yield, 1.70 DSCR, all at $799,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $220,749 in appreciation and $7,359/yr in principal paydown projects total cumulative return of $371,679.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.0% |
| Monthly Cash Flow | $1,060 | $300 |
City averages based on Union City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,107 |
| Total Monthly Debt Service | $4,729 |
| DSCR Ratio | 1.29x |
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 1978
4,988 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94587, Union City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,860 (100%) |
| Owner Occupied HU | 13,557 (62.0%) |
| Renter Occupied HU | 7,713 (35.3%) |
| Vacant Housing Units | 590 ( 2.7%) |
| Median Home Value | $1,153,571 |
| Average Home Value | $1,180,265 |
Housing Distribution
Address Breakdown
Residential
21,542
Single Family
17,407
Multi-Family
4,135
Businesses
1,536
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 1978
4,988 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94587, Union City, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,860 (100%) |
| Owner Occupied HU | 13,557 (62.0%) |
| Renter Occupied HU | 7,713 (35.3%) |
| Vacant Housing Units | 590 ( 2.7%) |
| Median Home Value | $1,153,571 |
| Average Home Value | $1,180,265 |
Housing Distribution
Address Breakdown
Residential
21,542
Single Family
17,407
Multi-Family
4,135
Businesses
1,536
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices