961 William DrSan LorenzoCA94580
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.67% gross rental yield, 961 William Dr, San Lorenzo, CA, 94580 in San Lorenzo is priced for capital growth, not immediate cash flow. The $925,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $255,560 by year five, with $8,519/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.05) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $263,714.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.5% |
| Monthly Cash Flow | $(1,353) | $1,500 |
City averages based on San Lorenzo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,369 |
| Total Monthly Debt Service | $5,354 |
| DSCR Ratio | 0.82x |
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 1999
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94580, San Lorenzo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,358 (100%) |
| Owner Occupied HU | 6,073 (64.9%) |
| Renter Occupied HU | 3,028 (32.4%) |
| Vacant Housing Units | 257 ( 2.7%) |
| Median Home Value | $841,261 |
| Average Home Value | $976,716 |
Housing Distribution
Address Breakdown
Residential
9,114
Single Family
8,208
Multi-Family
906
Businesses
431
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 1999
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94580, San Lorenzo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,358 (100%) |
| Owner Occupied HU | 6,073 (64.9%) |
| Renter Occupied HU | 3,028 (32.4%) |
| Vacant Housing Units | 257 ( 2.7%) |
| Median Home Value | $841,261 |
| Average Home Value | $976,716 |
Housing Distribution
Address Breakdown
Residential
9,114
Single Family
8,208
Multi-Family
906
Businesses
431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trish Radovich • Coldwell Banker Realty
Mls Name: Bay East AOR
Mls ID: #41106950