175 Stirling WayBen LomondCA95005
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 175 Stirling Way, Ben Lomond, CA, 95005 in Ben Lomond offers a clean, manageable entry. Rental yield 6.54%. DSCR 1.21 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $296,726 in additional property value over five years, with $9,892/yr in principal equity building ownership stake. Total projected cumulative return: $341,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.5% |
| Monthly Cash Flow | $(1,041) | $1,200 |
City averages based on Ben Lomond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,854 |
| Total Monthly Debt Service | $6,467 |
| DSCR Ratio | 0.91x |
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 1948
5.08 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 1948
5.08 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