111 Bean Creek Rd UNIT 122Scotts ValleyCA95066
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 111 Bean Creek Rd UNIT 122, Scotts Valley, CA, 95066 in Scotts Valley speaks for itself: 11.2% gross on a $699,000 price, generating $6,526/mo in rent and $1,258/mo in net income after the $3,143/mo debt service. DSCR 2.08, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $15,096 stacks alongside $193,121 in projected five-year appreciation and $6,438/yr in principal reduction. Projected total cumulative return: $350,133.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $1,258 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $6,526 |
| Total Monthly Debt Service | $4,989 |
| DSCR Ratio | 1.31x |
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 1987
1,307 sqft lot
$N/A/sqft
$806 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95066, Scotts Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,285 (100%) |
| Owner Occupied HU | 4,359 (69.4%) |
| Renter Occupied HU | 1,492 (23.7%) |
| Vacant Housing Units | 434 ( 6.9%) |
| Median Home Value | $1,256,719 |
| Average Home Value | $1,286,710 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
5,786
Multi-Family
288
Businesses
724
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 1987
1,307 sqft lot
$N/A/sqft
$806 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95066, Scotts Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,285 (100%) |
| Owner Occupied HU | 4,359 (69.4%) |
| Renter Occupied HU | 1,492 (23.7%) |
| Vacant Housing Units | 434 ( 6.9%) |
| Median Home Value | $1,256,719 |
| Average Home Value | $1,286,710 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
5,786
Multi-Family
288
Businesses
724
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices