750 47th Ave SPC 65CapitolaCA95010
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 750 47th Ave SPC 65, Capitola, CA, 95010 in Capitola. Priced at $149,000, it generates $3,419/mo in gross rent and $2,497/mo in net monthly cash flow, a 27.53% yield that comfortably supports the 5.10 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $29,965. Five-year appreciation: $41,166. Equity from principal paydown: $1,372/yr. Total projected cumulative return: $217,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 27.5% | 6.0% |
| Monthly Cash Flow | $2,497 | $500 |
City averages based on Capitola market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,419 |
| Total Monthly Debt Service | $862 |
| DSCR Ratio | 3.96x |
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.
Manufactured
Built in 1960
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95010, Capitola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,058 (100%) |
| Owner Occupied HU | 2,025 (40.0%) |
| Renter Occupied HU | 2,156 (42.6%) |
| Vacant Housing Units | 877 (17.3%) |
| Median Home Value | $1,151,387 |
| Average Home Value | $1,168,485 |
Housing Distribution
Address Breakdown
Residential
4,806
Single Family
3,892
Multi-Family
914
Businesses
934
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
Manufactured
Built in 1960
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95010, Capitola, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,058 (100%) |
| Owner Occupied HU | 2,025 (40.0%) |
| Renter Occupied HU | 2,156 (42.6%) |
| Vacant Housing Units | 877 (17.3%) |
| Median Home Value | $1,151,387 |
| Average Home Value | $1,168,485 |
Housing Distribution
Address Breakdown
Residential
4,806
Single Family
3,892
Multi-Family
914
Businesses
934
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices