111 Bean Creek Rd Unit 158Scotts ValleyCA95066
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.63 makes 111 Bean Creek Rd Unit 158, Scotts Valley, CA, 95066 in Scotts Valley one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.81%. The 8.81% yield, 5% annual appreciation ($165,493 over five years), and $5,517/yr in principal reduction project a total cumulative return of $271,744.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $(160) | $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 | $4,398 |
| Total Monthly Debt Service | $3,467 |
| DSCR Ratio | 1.27x |
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.
Townhouse
Built in 1988
N/A lot
$N/A/sqft
No 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
Townhouse
Built in 1988
N/A lot
$N/A/sqft
No 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
Listed by: The Portola Group • KW Thrive Santa Cruz
Mls Name: MLSListings Inc
Mls ID: #ML82032196