46 Seacliff Dr #46AptosCA95003
INVESTMENT ANALYSIS
Investment Verdict
Solid Income46 Seacliff Dr #46, Aptos, CA, 95003 in Aptos is a solid income-producing rental, 9.95% gross yield, $5,723/mo rent, $1,079/mo net cash flow on a $690,000 buy. DSCR 1.84 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $190,634 and $6,355/yr in principal reduction project a total cumulative return of $332,706.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.0% |
| Monthly Cash Flow | $1,079 | $1,500 |
City averages based on Aptos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,723 |
| Total Monthly Debt Service | $4,369 |
| DSCR Ratio | 1.31x |
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.
Condo
Built in 1983
828 sqft lot
$N/A/sqft
$375 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95003, Aptos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,822 (100%) |
| Owner Occupied HU | 7,214 (61.0%) |
| Renter Occupied HU | 2,772 (23.4%) |
| Vacant Housing Units | 1,836 (15.5%) |
| Median Home Value | $1,307,054 |
| Average Home Value | $1,327,400 |
Housing Distribution
Address Breakdown
Residential
10,756
Single Family
10,373
Multi-Family
383
Businesses
621
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
Condo
Built in 1983
828 sqft lot
$N/A/sqft
$375 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95003, Aptos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,822 (100%) |
| Owner Occupied HU | 7,214 (61.0%) |
| Renter Occupied HU | 2,772 (23.4%) |
| Vacant Housing Units | 1,836 (15.5%) |
| Median Home Value | $1,307,054 |
| Average Home Value | $1,327,400 |
Housing Distribution
Address Breakdown
Residential
10,756
Single Family
10,373
Multi-Family
383
Businesses
621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices