6503 Pine Valley DriveSanta RosaCA95409
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.69% yield at 6503 Pine Valley Drive, Santa Rosa, CA, 95409 in Santa Rosa is solid, but the $3,305/mo payment compresses net cash flow to $162/mo at $735,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $203,067 by year five, and $6,769/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.42) without U.S. income documentation. Total projected return: $289,139.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.0% |
| Monthly Cash Flow | $162 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,709 |
| Total Monthly Debt Service | $4,254 |
| DSCR Ratio | 1.11x |
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 1997
3,484 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 1997
3,484 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
Listed by: Marie A McBride • McBride Realty
Mls Name: BAREIS
Mls ID: #325084389