13720 Monte Bello #105CastrovilleCA95012
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 13720 Monte Bello #105, Castroville, CA, 95012 in Castroville. At $185,000 it earns $1,397/mo in rent and distributes $253/mo to the owner after the $832/mo payment, a consistent 9.06% yield. DSCR 1.68 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $51,112 in value; $1,704/yr in principal paydown compounds ownership stake. Total projected return: $86,453.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $253 | $200 |
City averages based on Castroville market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,397 |
| Total Monthly Debt Service | $1,071 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95012, Castroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,093 (100%) |
| Owner Occupied HU | 1,431 (46.3%) |
| Renter Occupied HU | 1,418 (45.8%) |
| Vacant Housing Units | 244 ( 7.9%) |
| Median Home Value | $683,289 |
| Average Home Value | $719,280 |
Housing Distribution
Address Breakdown
Residential
2,690
Single Family
2,619
Multi-Family
71
Businesses
293
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
Manufactured
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95012, Castroville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,093 (100%) |
| Owner Occupied HU | 1,431 (46.3%) |
| Renter Occupied HU | 1,418 (45.8%) |
| Vacant Housing Units | 244 ( 7.9%) |
| Median Home Value | $683,289 |
| Average Home Value | $719,280 |
Housing Distribution
Address Breakdown
Residential
2,690
Single Family
2,619
Multi-Family
71
Businesses
293
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82042766