39 Struve RdMoss LandingCA95039
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 39 Struve Rd, Moss Landing, CA, 95039 in Moss Landing at $680,000 earns $4,364/mo in rent and nets $158/mo after the $3,058/mo payment, a 7.7% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $187,871 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $6,263/yr in principal paydown, total projected return reaches $267,958.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.0% |
| Monthly Cash Flow | $158 | $1,200 |
City averages based on Moss Landing market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,364 |
| Total Monthly Debt Service | $3,936 |
| DSCR Ratio | 1.11x |
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.
Single Family
Built in 1960
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95039, Moss Landing, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 438 (100%) |
| Owner Occupied HU | 247 (56.4%) |
| Renter Occupied HU | 160 (36.5%) |
| Vacant Housing Units | 31 ( 7.1%) |
| Median Home Value | $462,500 |
| Average Home Value | $597,318 |
Housing Distribution
Address Breakdown
Residential
453
Single Family
413
Multi-Family
40
Businesses
159
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 1960
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95039, Moss Landing, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 438 (100%) |
| Owner Occupied HU | 247 (56.4%) |
| Renter Occupied HU | 160 (36.5%) |
| Vacant Housing Units | 31 ( 7.1%) |
| Median Home Value | $462,500 |
| Average Home Value | $597,318 |
Housing Distribution
Address Breakdown
Residential
453
Single Family
413
Multi-Family
40
Businesses
159
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices