212 White TailThe Sea RanchCA95497
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 212 White Tail, The Sea Ranch, CA, 95497 in The Sea Ranch the bet is firmly on appreciation. Rental yield 3.85%. The 3.85% gross yield on a $1,475,000 price is below income-first thresholds, but 5%/yr value growth projects $407,515 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.71) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $253,771.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.2% |
| Monthly Cash Flow | $(4,773) | $1,200 |
City averages based on The Sea Ranch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,732 |
| Total Monthly Debt Service | $8,918 |
| DSCR Ratio | 0.53x |
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 1990
0.47 Acres lot
$N/A/sqft
$380 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95497, The Sea Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,679 (100%) |
| Owner Occupied HU | 532 (31.7%) |
| Renter Occupied HU | 93 ( 5.5%) |
| Vacant Housing Units | 1,054 (62.8%) |
| Median Home Value | $1,138,776 |
| Average Home Value | $1,179,464 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
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 1990
0.47 Acres lot
$N/A/sqft
$380 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95497, The Sea Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,679 (100%) |
| Owner Occupied HU | 532 (31.7%) |
| Renter Occupied HU | 93 ( 5.5%) |
| Vacant Housing Units | 1,054 (62.8%) |
| Median Home Value | $1,138,776 |
| Average Home Value | $1,179,464 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristen M Winant • Liisberg & Company
Mls Name: BAREIS
Mls Provider:
Mls ID: #325037489
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.