2775 Sassy StSanta RosaCA95407
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2775 Sassy St, Santa Rosa, CA, 95407 in Santa Rosa the bet is firmly on appreciation. Rental yield 5.98%. The 5.98% gross yield on a $842,438 price is below income-first thresholds, but 5%/yr value growth projects $232,750 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.11) 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: $247,451.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.0% |
| Monthly Cash Flow | $(1,126) | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,200 |
| Total Monthly Debt Service | $4,991 |
| DSCR Ratio | 0.84x |
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 N/A
4,566 sqft lot
$N/A/sqft
$115 monthly 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
Single Family
Built in N/A
4,566 sqft lot
$N/A/sqft
$115 monthly 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
Listed by: Melissa R Jean • City Ventures Construction, In
Mls Name: BAREIS
Mls Provider:
Mls ID: #325002830
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.