350 Merrill RdSan Juan BautistaCA95045
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 350 Merrill Rd, San Juan Bautista, CA, 95045 in San Juan Bautista is capital appreciation. Rental yield 4.07%. The 4.07% gross yield at $1,469,888 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $406,103 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.75) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $293,109.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.0% |
| Monthly Cash Flow | $(4,106) | $1,500 |
City averages based on San Juan Bautista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,987 |
| Total Monthly Debt Service | $8,508 |
| DSCR Ratio | 0.59x |
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 1985
5.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95045, San Juan Bautista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,826 (100%) |
| Owner Occupied HU | 999 (54.7%) |
| Renter Occupied HU | 660 (36.1%) |
| Vacant Housing Units | 167 ( 9.1%) |
| Median Home Value | $910,191 |
| Average Home Value | $985,661 |
Housing Distribution
Address Breakdown
Residential
863
Single Family
863
Multi-Family
0
Businesses
152
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 1985
5.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95045, San Juan Bautista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,826 (100%) |
| Owner Occupied HU | 999 (54.7%) |
| Renter Occupied HU | 660 (36.1%) |
| Vacant Housing Units | 167 ( 9.1%) |
| Median Home Value | $910,191 |
| Average Home Value | $985,661 |
Housing Distribution
Address Breakdown
Residential
863
Single Family
863
Multi-Family
0
Businesses
152
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gina Arigna • KW Silicon City
Mls Name: MLSListings Inc
Mls ID: #ML82031170