70 Birch Haven WaySanta RosaCA95407
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.94% yield at 70 Birch Haven Way, Santa Rosa, CA, 95407 in Santa Rosa is solid, but the $2,383/mo payment compresses net cash flow to $132/mo at $530,000. 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 $146,429 by year five, and $4,881/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.47) without U.S. income documentation. Total projected return: $215,822.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.0% |
| Monthly Cash Flow | $132 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,509 |
| Total Monthly Debt Service | $3,068 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 2021
1,437 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95407, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,091 (100%) |
| Owner Occupied HU | 6,813 (48.4%) |
| Renter Occupied HU | 6,739 (47.8%) |
| Vacant Housing Units | 539 ( 3.8%) |
| Median Home Value | $642,769 |
| Average Home Value | $698,298 |
Housing Distribution
Address Breakdown
Residential
13,169
Single Family
11,919
Multi-Family
1,250
Businesses
1,415
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
Townhouse
Built in 2021
1,437 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95407, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,091 (100%) |
| Owner Occupied HU | 6,813 (48.4%) |
| Renter Occupied HU | 6,739 (47.8%) |
| Vacant Housing Units | 539 ( 3.8%) |
| Median Home Value | $642,769 |
| Average Home Value | $698,298 |
Housing Distribution
Address Breakdown
Residential
13,169
Single Family
11,919
Multi-Family
1,250
Businesses
1,415
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ernest Berghof • Berghof Realty
Mls Name: BAREIS
Mls ID: #326010910