3008 Yulupa AveSanta RosaCA95405
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 3008 Yulupa Ave, Santa Rosa, CA, 95405 in Santa Rosa achieves 1.51, rent of $2,040/mo covers the $1,349/mo payment 1.5x over at $299,950. Rental yield 8.16%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $82,871 over five years, with $2,763/yr in principal reduction bringing total projected return to $92,364.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $(370) | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $2,290 |
| DSCR Ratio | 0.89x |
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.
Condo
Built in 1970
797.15 sqft lot
$N/A/sqft
$460 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95405, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,438 (100%) |
| Owner Occupied HU | 5,600 (59.3%) |
| Renter Occupied HU | 3,418 (36.2%) |
| Vacant Housing Units | 420 ( 4.5%) |
| Median Home Value | $790,830 |
| Average Home Value | $850,922 |
Housing Distribution
Address Breakdown
Residential
9,209
Single Family
7,977
Multi-Family
1,232
Businesses
885
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
Condo
Built in 1970
797.15 sqft lot
$N/A/sqft
$460 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95405, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,438 (100%) |
| Owner Occupied HU | 5,600 (59.3%) |
| Renter Occupied HU | 3,418 (36.2%) |
| Vacant Housing Units | 420 ( 4.5%) |
| Median Home Value | $790,830 |
| Average Home Value | $850,922 |
Housing Distribution
Address Breakdown
Residential
9,209
Single Family
7,977
Multi-Family
1,232
Businesses
885
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeremy & Peg King • Livxplore Real Estate & Lifest
Mls Name: BAREIS
Mls Provider:
Mls ID: #325022153
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.