8004 Hermosa Vista DrSomersetCA95684
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 8004 Hermosa Vista Dr, Somerset, CA, 95684 in Somerset, $660,000, 7.79% gross yield, $46/mo net income. Consider it a market-entry position, the $4,286/mo rent covers the $2,968/mo payment with a margin, and 5%/yr appreciation is projected to add $182,346 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.44) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $253,843.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $46 | $1,500 |
City averages based on Somerset market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,286 |
| Total Monthly Debt Service | $3,978 |
| DSCR Ratio | 1.08x |
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.
Single Family
Built in 2002
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95684, Somerset, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,678 (100%) |
| Owner Occupied HU | 1,182 (70.4%) |
| Renter Occupied HU | 206 (12.3%) |
| Vacant Housing Units | 290 (17.3%) |
| Median Home Value | $784,628 |
| Average Home Value | $973,435 |
Housing Distribution
Address Breakdown
Residential
1,139
Single Family
1,138
Multi-Family
1
Businesses
64
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
Single Family
Built in 2002
3.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95684, Somerset, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,678 (100%) |
| Owner Occupied HU | 1,182 (70.4%) |
| Renter Occupied HU | 206 (12.3%) |
| Vacant Housing Units | 290 (17.3%) |
| Median Home Value | $784,628 |
| Average Home Value | $973,435 |
Housing Distribution
Address Breakdown
Residential
1,139
Single Family
1,138
Multi-Family
1
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tony Estigoy • Nick Sadek Sotheby's Internati
Mls Name: MetroList Services of CA
Mls Provider:
Mls ID: #224093870
Disclaimer: Copyright MetroList Services, Inc. All rights reserved. Information is deemed reliable but not guaranteed.