3346 Mission DrSanta CruzCA95065
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3346 Mission Dr, Santa Cruz, CA, 95065 in Santa Cruz at $595,000, 5.41% gross yield, is a market-growth asset. Rental yield 5.41%. The $2,684/mo rent partially funds the $2,675/mo debt service; the core return is the 5%/yr price growth projected to add $164,388 over five years. Ziffy Mortgage's DSCR mortgage (1.00) 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: $161,518.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 5.0% |
| Monthly Cash Flow | $(997) | $300 |
City averages based on Santa Cruz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,684 |
| Total Monthly Debt Service | $3,444 |
| DSCR Ratio | 0.78x |
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.
Townhouse
Built in 1983
653 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95065, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,350 (100%) |
| Owner Occupied HU | 2,085 (62.2%) |
| Renter Occupied HU | 1,052 (31.4%) |
| Vacant Housing Units | 213 ( 6.4%) |
| Median Home Value | $1,219,922 |
| Average Home Value | $1,315,375 |
Housing Distribution
Address Breakdown
Residential
3,172
Single Family
2,899
Multi-Family
273
Businesses
233
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
Townhouse
Built in 1983
653 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95065, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,350 (100%) |
| Owner Occupied HU | 2,085 (62.2%) |
| Renter Occupied HU | 1,052 (31.4%) |
| Vacant Housing Units | 213 ( 6.4%) |
| Median Home Value | $1,219,922 |
| Average Home Value | $1,315,375 |
Housing Distribution
Address Breakdown
Residential
3,172
Single Family
2,899
Multi-Family
273
Businesses
233
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brezsny Associates • Christie's International Real Estate Sereno
Mls Name: MLSListings Inc
Mls ID: #ML82028261