907 Waterford PlPinoleCA94564
INVESTMENT ANALYSIS
Investment Verdict
Solid Income907 Waterford Pl, Pinole, CA, 94564 in Pinole carries a 1.71 coverage ratio, rent of $3,665/mo is 1.71 times the $2,145/mo payment. Rental yield 9.22%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $477,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $131,786; total projected cumulative return: $181,690.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $(38) | $300 |
City averages based on Pinole market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,665 |
| Total Monthly Debt Service | $3,513 |
| DSCR Ratio | 1.04x |
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.
Condo
Built in 1991
1,176 sqft lot
$N/A/sqft
$709 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94564, Pinole, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,632 (100%) |
| Owner Occupied HU | 4,517 (68.1%) |
| Renter Occupied HU | 1,845 (27.8%) |
| Vacant Housing Units | 270 ( 4.1%) |
| Median Home Value | $747,549 |
| Average Home Value | $877,608 |
Housing Distribution
Address Breakdown
Residential
6,956
Single Family
6,158
Multi-Family
798
Businesses
682
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
Condo
Built in 1991
1,176 sqft lot
$N/A/sqft
$709 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94564, Pinole, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,632 (100%) |
| Owner Occupied HU | 4,517 (68.1%) |
| Renter Occupied HU | 1,845 (27.8%) |
| Vacant Housing Units | 270 ( 4.1%) |
| Median Home Value | $747,549 |
| Average Home Value | $877,608 |
Housing Distribution
Address Breakdown
Residential
6,956
Single Family
6,158
Multi-Family
798
Businesses
682
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices