4820 Bennett Valley RoadSanta RosaCA95404
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4820 Bennett Valley Road, Santa Rosa, CA, 95404 in Santa Rosa is capital appreciation. Rental yield 3.29%. The 3.29% gross yield at $1,625,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $448,958 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.61) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $255,664.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 5.0% |
| Monthly Cash Flow | $(5,603) | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,450 |
| Total Monthly Debt Service | $9,406 |
| DSCR Ratio | 0.47x |
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.
Multi Family
Built in 1952
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95404, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,695 (100%) |
| Owner Occupied HU | 8,922 (50.4%) |
| Renter Occupied HU | 7,202 (40.7%) |
| Vacant Housing Units | 1,571 ( 8.9%) |
| Median Home Value | $893,932 |
| Average Home Value | $1,004,027 |
Housing Distribution
Address Breakdown
Residential
16,904
Single Family
14,745
Multi-Family
2,159
Businesses
1,286
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
Multi Family
Built in 1952
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95404, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,695 (100%) |
| Owner Occupied HU | 8,922 (50.4%) |
| Renter Occupied HU | 7,202 (40.7%) |
| Vacant Housing Units | 1,571 ( 8.9%) |
| Median Home Value | $893,932 |
| Average Home Value | $1,004,027 |
Housing Distribution
Address Breakdown
Residential
16,904
Single Family
14,745
Multi-Family
2,159
Businesses
1,286
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kaitlin Karkos Klein • Corcoran Icon Properties
Mls Name: BAREIS
Mls ID: #326000036