0 Kelly RdAnnapolisCA95412
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 0 Kelly Rd, Annapolis, CA, 95412 in Annapolis speaks for itself: 19.01% gross on a $275,000 price, generating $4,356/mo in rent and $2,655/mo in net income after the $1,237/mo debt service. DSCR 3.52, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $31,858 stacks alongside $75,977 in projected five-year appreciation and $2,533/yr in principal reduction. Projected total cumulative return: $275,091.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19% | 7.0% |
| Monthly Cash Flow | $2,655 | $1,200 |
City averages based on Annapolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,356 |
| Total Monthly Debt Service | $1,592 |
| DSCR Ratio | 2.74x |
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
160 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95412, Annapolis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 210 (100%) |
| Owner Occupied HU | 107 (51.0%) |
| Renter Occupied HU | 36 (17.1%) |
| Vacant Housing Units | 67 (31.9%) |
| Median Home Value | $858,871 |
| Average Home Value | $950,935 |
Housing Distribution
Address Breakdown
Residential
123
Single Family
123
Multi-Family
0
Businesses
5
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
160 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95412, Annapolis, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 210 (100%) |
| Owner Occupied HU | 107 (51.0%) |
| Renter Occupied HU | 36 (17.1%) |
| Vacant Housing Units | 67 (31.9%) |
| Median Home Value | $858,871 |
| Average Home Value | $950,935 |
Housing Distribution
Address Breakdown
Residential
123
Single Family
123
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices