41 S Circle DrSanta CruzCA95060
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Santa Cruz at 41 S Circle Dr, Santa Cruz, CA, 95060 projects strong ROI of 7.48%. Rental yield 3.14%. With 5% annual appreciation, the property builds $911,729 in value over five years. Equity growth combined delivers a projected five-year ROI of 52.85%, translating into $492,718 in total cumulative return on $932,250 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.0% |
| Monthly Cash Flow | $(11,999) | $300 |
City averages based on Santa Cruz market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,627 |
| Total Monthly Debt Service | $19,101 |
| DSCR Ratio | 0.45x |
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 2008
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95060, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,846 (100%) |
| Owner Occupied HU | 9,053 (43.4%) |
| Renter Occupied HU | 9,392 (45.1%) |
| Vacant Housing Units | 2,401 (11.5%) |
| Median Home Value | $1,387,725 |
| Average Home Value | $1,409,930 |
Housing Distribution
Address Breakdown
Residential
18,805
Single Family
16,578
Multi-Family
2,227
Businesses
2,179
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 2008
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95060, Santa Cruz, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,846 (100%) |
| Owner Occupied HU | 9,053 (43.4%) |
| Renter Occupied HU | 9,392 (45.1%) |
| Vacant Housing Units | 2,401 (11.5%) |
| Median Home Value | $1,387,725 |
| Average Home Value | $1,409,930 |
Housing Distribution
Address Breakdown
Residential
18,805
Single Family
16,578
Multi-Family
2,227
Businesses
2,179
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82040854