4541 Rinconada DrSanta RosaCA95409
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 4541 Rinconada Dr, Santa Rosa, CA, 95409 in Santa Rosa. At $729,000 it earns $4,810/mo in rent and distributes $300/mo to the owner after the $3,278/mo payment, a consistent 7.92% yield. DSCR 1.47 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $201,409 in value; $6,714/yr in principal paydown compounds ownership stake. Total projected return: $295,773.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.0% |
| Monthly Cash Flow | $300 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,810 |
| Total Monthly Debt Service | $4,220 |
| DSCR Ratio | 1.14x |
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 1962
7,148 sqft lot
$N/A/sqft
No 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 1962
7,148 sqft lot
$N/A/sqft
No 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