207 Grandview StSanta CruzCA95060
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 207 Grandview St, Santa Cruz, CA, 95060 in Santa Cruz: $5,872/mo in rent, $428/mo in net income, 8.01% gross yield, 1.48 DSCR, all at $880,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $243,128 in appreciation and $8,105/yr in principal paydown projects total cumulative return of $361,245.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.0% |
| Monthly Cash Flow | $428 | $300 |
City averages based on Santa Cruz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,872 |
| Total Monthly Debt Service | $5,094 |
| DSCR Ratio | 1.15x |
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 1959
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95060, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,846 (100%) |
| Owner Occupied HU | 9,053 (43.4%) |
| Renter Occupied HU | 9,392 (45.1%) |
| Vacant Housing Units | 2,401 (11.5%) |
| Median Home Value | $1,387,725 |
| Average Home Value | $1,409,930 |
Housing Distribution
Address Breakdown
Residential
18,805
Single Family
16,578
Multi-Family
2,227
Businesses
2,179
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 1959
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95060, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,846 (100%) |
| Owner Occupied HU | 9,053 (43.4%) |
| Renter Occupied HU | 9,392 (45.1%) |
| Vacant Housing Units | 2,401 (11.5%) |
| Median Home Value | $1,387,725 |
| Average Home Value | $1,409,930 |
Housing Distribution
Address Breakdown
Residential
18,805
Single Family
16,578
Multi-Family
2,227
Businesses
2,179
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Frank De Bernardo • Frank De Bernardo, Broker
Mls Name: MLSListings Inc
Mls ID: #ML82007556