20 Winding WayWatsonvilleCA95076
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.5% yield at 20 Winding Way, Watsonville, CA, 95076 in Watsonville is solid, but the $3,328/mo payment compresses net cash flow to $166/mo at $740,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $204,448 by year five, and $6,815/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.58) without U.S. income documentation. Total projected return: $293,481.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.2% |
| Monthly Cash Flow | $166 | $450 |
City averages based on Watsonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,244 |
| Total Monthly Debt Service | $4,783 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 1990
1,176 sqft lot
$N/A/sqft
$500 monthly 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
Townhouse
Built in 1990
1,176 sqft lot
$N/A/sqft
$500 monthly 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: Lisa Carrera • NewLook Realty Company
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #225049499
Disclaimer: Every person who intends to view or use such MLS information agrees to Terms of Use that include the following terms and conditions:All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2025 MetroList Services, Inc. Information being provided by Metrolist Services, Inc. is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. [Click here for more information](/mls-disclaimers/#16)