444 Whispering Pines Dr SPACE 79Scotts ValleyCA95066
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 444 Whispering Pines Dr SPACE 79, Scotts Valley, CA, 95066 in Scotts Valley deserves attention. This $589,000 property earns $5,329/mo in rent, a 10.86% gross yield, and nets $1,686/mo after the $2,649/mo payment. DSCR 2.01 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $162,730 compounds alongside $5,425/yr in yearly equity build, for a total cumulative return of $331,796.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $1,686 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,329 |
| Total Monthly Debt Service | $3,409 |
| DSCR Ratio | 1.56x |
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.
Manufactured
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95066, Scotts Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,285 (100%) |
| Owner Occupied HU | 4,359 (69.4%) |
| Renter Occupied HU | 1,492 (23.7%) |
| Vacant Housing Units | 434 ( 6.9%) |
| Median Home Value | $1,256,719 |
| Average Home Value | $1,286,710 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
5,786
Multi-Family
288
Businesses
724
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 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95066, Scotts Valley, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,285 (100%) |
| Owner Occupied HU | 4,359 (69.4%) |
| Renter Occupied HU | 1,492 (23.7%) |
| Vacant Housing Units | 434 ( 6.9%) |
| Median Home Value | $1,256,719 |
| Average Home Value | $1,286,710 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
5,786
Multi-Family
288
Businesses
724
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Madani Team • Room Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82027366