7862 Tanias CtAptosCA95003
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play7862 Tanias Ct, Aptos, CA, 95003 in Aptos is priced for appreciation, not yield. Rental yield 5.59%. At $1,190,000 with a 5.59% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $328,775 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.04) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $283,941.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(2,655) | $1,500 |
City averages based on Aptos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,540 |
| Total Monthly Debt Service | $7,722 |
| DSCR Ratio | 0.72x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1997
1,960 sqft lot
$N/A/sqft
$600 monthly 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
Townhouse
Built in 1997
1,960 sqft lot
$N/A/sqft
$600 monthly 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
Listed by: Allison Hooker • Vanguard Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425019858
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.