227 Ricardo Ave #227Santa RosaCA95407
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 227 Ricardo Ave #227, Santa Rosa, CA, 95407 in Santa Rosa. Priced at $227,000, it generates $2,760/mo in gross rent and $1,356/mo in net monthly cash flow, a 14.59% yield that comfortably supports the 2.70 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $16,269. Five-year appreciation: $62,716. Equity from principal paydown: $2,091/yr. Total projected cumulative return: $173,313.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 5.0% |
| Monthly Cash Flow | $1,356 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $1,314 |
| DSCR Ratio | 2.10x |
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.
Manufactured
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95407, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,091 (100%) |
| Owner Occupied HU | 6,813 (48.4%) |
| Renter Occupied HU | 6,739 (47.8%) |
| Vacant Housing Units | 539 ( 3.8%) |
| Median Home Value | $642,769 |
| Average Home Value | $698,298 |
Housing Distribution
Address Breakdown
Residential
13,169
Single Family
11,919
Multi-Family
1,250
Businesses
1,415
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
Manufactured
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95407, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,091 (100%) |
| Owner Occupied HU | 6,813 (48.4%) |
| Renter Occupied HU | 6,739 (47.8%) |
| Vacant Housing Units | 539 ( 3.8%) |
| Median Home Value | $642,769 |
| Average Home Value | $698,298 |
Housing Distribution
Address Breakdown
Residential
13,169
Single Family
11,919
Multi-Family
1,250
Businesses
1,415
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices