Residence 3 Plan, Stacked Flats at Appian VillagePinoleCA94564
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: Residence 3 Plan, Stacked Flats at Appian Village, Pinole, CA, 94564 in Pinole at $643,500 earns $4,074/mo in rent and nets $93/mo after the $3,051/mo payment, a 7.6% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $177,787 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $5,394/yr in principal paydown, total projected return reaches $237,866.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $93 | $300 |
City averages based on Pinole market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,074 |
| Total Monthly Debt Service | $3,882 |
| DSCR Ratio | 1.05x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in N/A
N/A lot
$N/A/sqft
No 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
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
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Mls ID: #N/A
