408 White Oak DrSanta RosaCA95409
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 408 White Oak Dr, Santa Rosa, CA, 95409 in Santa Rosa offers a clean, manageable entry. Rental yield 6.53%. DSCR 1.21 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $124,050 in additional property value over five years, with $4,135/yr in principal equity building ownership stake. Total projected cumulative return: $133,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 5.0% |
| Monthly Cash Flow | $(596) | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,442 |
| Total Monthly Debt Service | $2,859 |
| DSCR Ratio | 0.85x |
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 1969
1,742 sqft lot
$N/A/sqft
$260 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95409, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,932 (100%) |
| Owner Occupied HU | 8,052 (62.3%) |
| Renter Occupied HU | 4,009 (31.0%) |
| Vacant Housing Units | 871 ( 6.7%) |
| Median Home Value | $865,320 |
| Average Home Value | $904,558 |
Housing Distribution
Address Breakdown
Residential
12,836
Single Family
11,430
Multi-Family
1,406
Businesses
303
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 1969
1,742 sqft lot
$N/A/sqft
$260 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95409, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,932 (100%) |
| Owner Occupied HU | 8,052 (62.3%) |
| Renter Occupied HU | 4,009 (31.0%) |
| Vacant Housing Units | 871 ( 6.7%) |
| Median Home Value | $865,320 |
| Average Home Value | $904,558 |
Housing Distribution
Address Breakdown
Residential
12,836
Single Family
11,430
Multi-Family
1,406
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jolene Cortright • C21 Epic Valley of the Moon
Mls Name: BAREIS
Mls Provider:
Mls ID: #325041301
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.