521 Heavy CtSanta RosaCA95401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 521 Heavy Ct, Santa Rosa, CA, 95401 in Santa Rosa speaks for itself: 10.19% gross on a $865,000 price, generating $7,346/mo in rent and $1,905/mo in net income after the $3,890/mo debt service. DSCR 1.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,863 stacks alongside $238,984 in projected five-year appreciation and $7,967/yr in principal reduction. Projected total cumulative return: $450,939.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 5.0% |
| Monthly Cash Flow | $1,905 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,346 |
| Total Monthly Debt Service | $5,097 |
| DSCR Ratio | 1.44x |
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 1980
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95401, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,425 (100%) |
| Owner Occupied HU | 7,424 (51.5%) |
| Renter Occupied HU | 6,327 (43.9%) |
| Vacant Housing Units | 674 ( 4.7%) |
| Median Home Value | $688,640 |
| Average Home Value | $759,408 |
Housing Distribution
Address Breakdown
Residential
14,297
Single Family
11,899
Multi-Family
2,398
Businesses
1,420
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 1980
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95401, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,425 (100%) |
| Owner Occupied HU | 7,424 (51.5%) |
| Renter Occupied HU | 6,327 (43.9%) |
| Vacant Housing Units | 674 ( 4.7%) |
| Median Home Value | $688,640 |
| Average Home Value | $759,408 |
Housing Distribution
Address Breakdown
Residential
14,297
Single Family
11,899
Multi-Family
2,398
Businesses
1,420
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices