131 Scarlett WayHollisterCA95023
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 131 Scarlett Way, Hollister, CA, 95023 in Hollister is narrow, $200/mo net on $7,385/mo rent after the $5,026/mo debt service, but the property operates at break-even-plus, not a loss. At $1,117,835 with a 7.93% yield, the long-run equity case via 5% appreciation ($308,837 over five years) and $10,295/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $437,940.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $200 | $350 |
City averages based on Hollister market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,385 |
| Total Monthly Debt Service | $6,740 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 2024
9,442 sqft lot
$N/A/sqft
$270 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95023, Hollister, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,639 (100%) |
| Owner Occupied HU | 13,439 (68.4%) |
| Renter Occupied HU | 5,496 (28.0%) |
| Vacant Housing Units | 704 ( 3.6%) |
| Median Home Value | $784,295 |
| Average Home Value | $817,487 |
Housing Distribution
Address Breakdown
Residential
18,377
Single Family
16,487
Multi-Family
1,890
Businesses
1,119
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
Single Family
Built in 2024
9,442 sqft lot
$N/A/sqft
$270 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95023, Hollister, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,639 (100%) |
| Owner Occupied HU | 13,439 (68.4%) |
| Renter Occupied HU | 5,496 (28.0%) |
| Vacant Housing Units | 704 ( 3.6%) |
| Median Home Value | $784,295 |
| Average Home Value | $817,487 |
Housing Distribution
Address Breakdown
Residential
18,377
Single Family
16,487
Multi-Family
1,890
Businesses
1,119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices