38 wayside DriveSanta RosaCA95407
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 38 wayside Drive, Santa Rosa, CA, 95407 in Santa Rosa clears it at 1.59, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.6%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $56,638; $1,888/yr in principal equity; total projected return: $45,693.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.0% |
| Monthly Cash Flow | $(549) | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,469 |
| Total Monthly Debt Service | $1,937 |
| DSCR Ratio | 0.76x |
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.
Manufactured
Built in 1998
5.46 Acres lot
$N/A/sqft
$750 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95407, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,091 (100%) |
| Owner Occupied HU | 6,813 (48.4%) |
| Renter Occupied HU | 6,739 (47.8%) |
| Vacant Housing Units | 539 ( 3.8%) |
| Median Home Value | $642,769 |
| Average Home Value | $698,298 |
Housing Distribution
Address Breakdown
Residential
13,169
Single Family
11,919
Multi-Family
1,250
Businesses
1,415
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
Manufactured
Built in 1998
5.46 Acres lot
$N/A/sqft
$750 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95407, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,091 (100%) |
| Owner Occupied HU | 6,813 (48.4%) |
| Renter Occupied HU | 6,739 (47.8%) |
| Vacant Housing Units | 539 ( 3.8%) |
| Median Home Value | $642,769 |
| Average Home Value | $698,298 |
Housing Distribution
Address Breakdown
Residential
13,169
Single Family
11,919
Multi-Family
1,250
Businesses
1,415
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gina M Fisicaro • SOCO PROPERTY
Mls Name: BAREIS
Mls Provider:
Mls ID: #325074402
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