789 Green Valley Rd SPC 118WatsonvilleCA95076
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 789 Green Valley Rd SPC 118, Watsonville, CA, 95076 in Watsonville speaks for itself: 10.64% gross on a $409,000 price, generating $3,628/mo in rent and $1,098/mo in net income after the $1,839/mo debt service. DSCR 1.97, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $13,174 stacks alongside $112,999 in projected five-year appreciation and $3,767/yr in principal reduction. Projected total cumulative return: $225,733.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.2% |
| Monthly Cash Flow | $1,098 | $450 |
City averages based on Watsonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,628 |
| Total Monthly Debt Service | $2,367 |
| DSCR Ratio | 1.53x |
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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95076, Watsonville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,961 (100%) |
| Owner Occupied HU | 12,096 (48.5%) |
| Renter Occupied HU | 11,111 (44.5%) |
| Vacant Housing Units | 1,754 ( 7.0%) |
| Median Home Value | $774,250 |
| Average Home Value | $938,782 |
Housing Distribution
Address Breakdown
Residential
22,811
Single Family
21,245
Multi-Family
1,566
Businesses
1,912
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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95076, Watsonville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,961 (100%) |
| Owner Occupied HU | 12,096 (48.5%) |
| Renter Occupied HU | 11,111 (44.5%) |
| Vacant Housing Units | 1,754 ( 7.0%) |
| Median Home Value | $774,250 |
| Average Home Value | $938,782 |
Housing Distribution
Address Breakdown
Residential
22,811
Single Family
21,245
Multi-Family
1,566
Businesses
1,912
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Gilliam • Alliance Manufactured Homes
Mls Name: My State MLS
Mls ID: #11462329