1365 Hartman AveBen LomondCA95005
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1365 Hartman Ave, Ben Lomond, CA, 95005 in Ben Lomond. Rental yield 6.61%. The 1.22 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $248,377 and $8,280/yr in principal reduction project total return of $292,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.5% |
| Monthly Cash Flow | $(758) | $1,200 |
City averages based on Ben Lomond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,951 |
| Total Monthly Debt Service | $5,351 |
| DSCR Ratio | 0.93x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1990
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95005, Ben Lomond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,779 (100%) |
| Owner Occupied HU | 1,858 (66.9%) |
| Renter Occupied HU | 728 (26.2%) |
| Vacant Housing Units | 193 ( 6.9%) |
| Median Home Value | $910,029 |
| Average Home Value | $971,050 |
Housing Distribution
Address Breakdown
Residential
2,358
Single Family
2,358
Multi-Family
0
Businesses
146
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 1990
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95005, Ben Lomond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,779 (100%) |
| Owner Occupied HU | 1,858 (66.9%) |
| Renter Occupied HU | 728 (26.2%) |
| Vacant Housing Units | 193 ( 6.9%) |
| Median Home Value | $910,029 |
| Average Home Value | $971,050 |
Housing Distribution
Address Breakdown
Residential
2,358
Single Family
2,358
Multi-Family
0
Businesses
146
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sean Pate • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82003132
Disclaimer: Based on information from the MLSListings MLS as of 2025-04-19 00:31:24 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.