2909 Bertman StreetSanta RosaCA95407
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 2909 Bertman Street, Santa Rosa, CA, 95407 in Santa Rosa offers a clean, manageable entry. Rental yield 6.59%. DSCR 1.12 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $263,846 in additional property value over five years, with $8,796/yr in principal equity building ownership stake. Total projected cumulative return: $276,334.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 5.0% |
| Monthly Cash Flow | $(938) | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,828 |
| Total Monthly Debt Service | $5,799 |
| DSCR Ratio | 0.83x |
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 2023
4,482 sqft lot
$N/A/sqft
$91 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 2023
4,482 sqft lot
$N/A/sqft
$91 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: #324045742
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.