0 Baker RdAptosCA95003
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 0 Baker Rd, Aptos, CA, 95003 in Aptos speaks for itself: 13.57% gross on a $559,000 price, generating $6,322/mo in rent and $2,864/mo in net income after the $2,514/mo debt service. DSCR 2.51, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $34,362 stacks alongside $154,441 in projected five-year appreciation and $5,148/yr in principal reduction. Projected total cumulative return: $396,213.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 6.0% |
| Monthly Cash Flow | $2,864 | $1,500 |
City averages based on Aptos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,322 |
| Total Monthly Debt Service | $3,236 |
| DSCR Ratio | 1.95x |
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.
Lot
Built in N/A
9.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95003, Aptos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,822 (100%) |
| Owner Occupied HU | 7,214 (61.0%) |
| Renter Occupied HU | 2,772 (23.4%) |
| Vacant Housing Units | 1,836 (15.5%) |
| Median Home Value | $1,307,054 |
| Average Home Value | $1,327,400 |
Housing Distribution
Address Breakdown
Residential
10,756
Single Family
10,373
Multi-Family
383
Businesses
621
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
Lot
Built in N/A
9.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95003, Aptos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,822 (100%) |
| Owner Occupied HU | 7,214 (61.0%) |
| Renter Occupied HU | 2,772 (23.4%) |
| Vacant Housing Units | 1,836 (15.5%) |
| Median Home Value | $1,307,054 |
| Average Home Value | $1,327,400 |
Housing Distribution
Address Breakdown
Residential
10,756
Single Family
10,373
Multi-Family
383
Businesses
621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices