144 Holm Rd #112WatsonvilleCA95076
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 144 Holm Rd #112, Watsonville, CA, 95076 in Watsonville speaks for itself: 11.93% gross on a $499,900 price, generating $4,970/mo in rent and $1,878/mo in net income after the $2,248/mo debt service. DSCR 2.21, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,535 stacks alongside $138,113 in projected five-year appreciation and $4,604/yr in principal reduction. Projected total cumulative return: $310,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 5.2% |
| Monthly Cash Flow | $1,878 | $450 |
City averages based on Watsonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,970 |
| Total Monthly Debt Service | $2,894 |
| DSCR Ratio | 1.72x |
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 2022
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95076, Watsonville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,961 (100%) |
| Owner Occupied HU | 12,096 (48.5%) |
| Renter Occupied HU | 11,111 (44.5%) |
| Vacant Housing Units | 1,754 ( 7.0%) |
| Median Home Value | $774,250 |
| Average Home Value | $938,782 |
Housing Distribution
Address Breakdown
Residential
22,811
Single Family
21,245
Multi-Family
1,566
Businesses
1,912
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 2022
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95076, Watsonville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,961 (100%) |
| Owner Occupied HU | 12,096 (48.5%) |
| Renter Occupied HU | 11,111 (44.5%) |
| Vacant Housing Units | 1,754 ( 7.0%) |
| Median Home Value | $774,250 |
| Average Home Value | $938,782 |
Housing Distribution
Address Breakdown
Residential
22,811
Single Family
21,245
Multi-Family
1,566
Businesses
1,912
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Potts • Jason Potts, Broker
Mls Name: MLSListings Inc
Mls ID: #ML82021042