338 Dufour StSanta CruzCA95060
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 338 Dufour St, Santa Cruz, CA, 95060 in Santa Cruz. Rental yield 4.91%. At $1,050,000 with 4.91% gross yield, current distributions are modest, but the 5% appreciation rate projects $290,096 in new equity by year five, complemented by $9,671/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.91) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $256,737.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.0% |
| Monthly Cash Flow | $(2,197) | $300 |
City averages based on Santa Cruz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,298 |
| Total Monthly Debt Service | $6,078 |
| DSCR Ratio | 0.71x |
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 1973
1,917 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95060, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,846 (100%) |
| Owner Occupied HU | 9,053 (43.4%) |
| Renter Occupied HU | 9,392 (45.1%) |
| Vacant Housing Units | 2,401 (11.5%) |
| Median Home Value | $1,387,725 |
| Average Home Value | $1,409,930 |
Housing Distribution
Address Breakdown
Residential
18,805
Single Family
16,578
Multi-Family
2,227
Businesses
2,179
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 1973
1,917 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95060, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,846 (100%) |
| Owner Occupied HU | 9,053 (43.4%) |
| Renter Occupied HU | 9,392 (45.1%) |
| Vacant Housing Units | 2,401 (11.5%) |
| Median Home Value | $1,387,725 |
| Average Home Value | $1,409,930 |
Housing Distribution
Address Breakdown
Residential
18,805
Single Family
16,578
Multi-Family
2,227
Businesses
2,179
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Oster • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls ID: #ML82031846