810 Seacliff DrAptosCA95003
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing810 Seacliff Dr, Aptos, CA, 95003 in Aptos is a stable, well-positioned rental at $1,899,888. Rental yield 6.16%. DSCR 1.14 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $524,904 in value and $17,498/yr in principal paydown builds equity, a total projected return of $591,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.0% |
| Monthly Cash Flow | $(1,998) | $1,500 |
City averages based on Aptos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,755 |
| Total Monthly Debt Service | $10,997 |
| DSCR Ratio | 0.89x |
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.
Single Family
Built in 1963
6,098 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1963
6,098 sqft lot
$N/A/sqft
No 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