655 Marion AveBen LomondCA95005
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 655 Marion Ave, Ben Lomond, CA, 95005 in Ben Lomond is narrow, $64/mo net on $5,626/mo rent after the $4,042/mo debt service, but the property operates at break-even-plus, not a loss. At $899,000 with a 7.51% yield, the long-run equity case via 5% appreciation ($248,377 over five years) and $8,280/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $345,068.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $64 | $1,200 |
City averages based on Ben Lomond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,626 |
| Total Monthly Debt Service | $5,204 |
| DSCR Ratio | 1.08x |
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 1975
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95005, Ben Lomond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,779 (100%) |
| Owner Occupied HU | 1,858 (66.9%) |
| Renter Occupied HU | 728 (26.2%) |
| Vacant Housing Units | 193 ( 6.9%) |
| Median Home Value | $910,029 |
| Average Home Value | $971,050 |
Housing Distribution
Address Breakdown
Residential
2,358
Single Family
2,358
Multi-Family
0
Businesses
146
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 1975
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95005, Ben Lomond, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,779 (100%) |
| Owner Occupied HU | 1,858 (66.9%) |
| Renter Occupied HU | 728 (26.2%) |
| Vacant Housing Units | 193 ( 6.9%) |
| Median Home Value | $910,029 |
| Average Home Value | $971,050 |
Housing Distribution
Address Breakdown
Residential
2,358
Single Family
2,358
Multi-Family
0
Businesses
146
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marjorie Vickner • David Lyng Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82022517