6651 Oak Ridge RdAptosCA95003
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 6651 Oak Ridge Rd, Aptos, CA, 95003 in Aptos at $1,898,000 earns $11,830/mo in rent and nets $88/mo after the $8,535/mo payment, a 7.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $524,382 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $17,481/yr in principal paydown, total projected return reaches $725,350.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $88 | $1,500 |
City averages based on Aptos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $11,830 |
| Total Monthly Debt Service | $10,986 |
| 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 2021
4.74 Acres lot
$N/A/sqft
No 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
Single Family
Built in 2021
4.74 Acres lot
$N/A/sqft
No 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