24635 Heather Heights RdSaratogaCA95070
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 24635 Heather Heights Rd, Saratoga, CA, 95070 in Saratoga at $1,600,000, 4.03% gross yield, is a market-growth asset. Rental yield 4.03%. The $5,373/mo rent partially funds the $7,585/mo debt service; the core return is the 5%/yr price growth projected to add $442,051 over five years. Ziffy Mortgage's DSCR mortgage (0.71) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $285,415.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.0% |
| Monthly Cash Flow | $(4,692) | $3,200 |
City averages based on Saratoga market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,373 |
| Total Monthly Debt Service | $9,651 |
| DSCR Ratio | 0.56x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1986
7.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95070, Saratoga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,681 (100%) |
| Owner Occupied HU | 9,380 (80.3%) |
| Renter Occupied HU | 1,775 (15.2%) |
| Vacant Housing Units | 526 ( 4.5%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,980,693 |
Housing Distribution
Address Breakdown
Residential
11,654
Single Family
11,031
Multi-Family
623
Businesses
958
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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
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Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82059685
