37284 Rams Horn ReachThe Sea RanchCA95497
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis The Sea Ranch rental at 37284 Rams Horn Reach, The Sea Ranch, CA, 95497 sits in the solid-income band: 10.35% gross yield, $3,018/mo rent, $447/mo net after the $1,574/mo debt service, DSCR 1.92. Entry price of $350,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $96,699 and $3,224/yr in principal reduction bring total cumulative return to $163,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $447 | $1,200 |
City averages based on The Sea Ranch market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,018 |
| Total Monthly Debt Service | $2,432 |
| DSCR Ratio | 1.24x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Lot
Built in N/A
0.94 Acres lot
$N/A/sqft
$334 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95497, The Sea Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,679 (100%) |
| Owner Occupied HU | 532 (31.7%) |
| Renter Occupied HU | 93 ( 5.5%) |
| Vacant Housing Units | 1,054 (62.8%) |
| Median Home Value | $1,138,776 |
| Average Home Value | $1,179,464 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
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
Lot
Built in N/A
0.94 Acres lot
$N/A/sqft
$334 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95497, The Sea Ranch, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,679 (100%) |
| Owner Occupied HU | 532 (31.7%) |
| Renter Occupied HU | 93 ( 5.5%) |
| Vacant Housing Units | 1,054 (62.8%) |
| Median Home Value | $1,138,776 |
| Average Home Value | $1,179,464 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marianne Harder • Liisberg & Company
Mls Name: BAREIS
Mls Provider:
Mls ID: #324077966
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2024 Bay Area Real Estate Information Services, Inc. All Right Reserved.