144 Monaco LnBoulder CreekCA95006
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 144 Monaco Ln, Boulder Creek, CA, 95006 in Boulder Creek hard to pass up. The 11.96% gross yield on a $405,000 purchase results in $4,036/mo in rent and $1,296/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.22). Annual cash flow of $15,552, five-year appreciation of $111,894, and $3,730/yr in equity build-up combine for a projected total cumulative return of $238,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.5% |
| Monthly Cash Flow | $1,296 | $1,500 |
City averages based on Boulder Creek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,036 |
| Total Monthly Debt Service | $2,578 |
| DSCR Ratio | 1.57x |
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 1952
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95006, Boulder Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 3,006 (66.2%) |
| Renter Occupied HU | 1,059 (23.3%) |
| Vacant Housing Units | 476 (10.5%) |
| Median Home Value | $854,828 |
| Average Home Value | $977,453 |
Housing Distribution
Address Breakdown
Residential
3,673
Single Family
3,649
Multi-Family
24
Businesses
250
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 1952
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95006, Boulder Creek, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,541 (100%) |
| Owner Occupied HU | 3,006 (66.2%) |
| Renter Occupied HU | 1,059 (23.3%) |
| Vacant Housing Units | 476 (10.5%) |
| Median Home Value | $854,828 |
| Average Home Value | $977,453 |
Housing Distribution
Address Breakdown
Residential
3,673
Single Family
3,649
Multi-Family
24
Businesses
250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Royer • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82011827
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-14 03:31:34 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.