789 Green Valley Rd SPC 123WatsonvilleCA95076
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 789 Green Valley Rd SPC 123, Watsonville, CA, 95076 in Watsonville speaks for itself: 26.2% gross on a $340,000 price, generating $7,422/mo in rent and $5,319/mo in net income after the $1,529/mo debt service. DSCR 4.85, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $63,824 stacks alongside $93,936 in projected five-year appreciation and $3,131/yr in principal reduction. Projected total cumulative return: $471,179.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 26.2% | 5.2% |
| Monthly Cash Flow | $5,319 | $450 |
City averages based on Watsonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,422 |
| Total Monthly Debt Service | $1,968 |
| DSCR Ratio | 3.77x |
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 1979
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 1979
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