9037 Oak Trail CirSanta RosaCA95409
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Santa Rosa rental at 9037 Oak Trail Cir, Santa Rosa, CA, 95409 sits in the solid-income band: 9.95% gross yield, $2,927/mo rent, $533/mo net after the $1,588/mo debt service, DSCR 1.84. Entry price of $353,111 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $97,558 and $3,252/yr in principal reduction bring total cumulative return to $169,052.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.0% |
| Monthly Cash Flow | $533 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,927 |
| Total Monthly Debt Service | $2,254 |
| DSCR Ratio | 1.30x |
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 2006
5,872 sqft lot
$N/A/sqft
$210 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95409, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,932 (100%) |
| Owner Occupied HU | 8,052 (62.3%) |
| Renter Occupied HU | 4,009 (31.0%) |
| Vacant Housing Units | 871 ( 6.7%) |
| Median Home Value | $865,320 |
| Average Home Value | $904,558 |
Housing Distribution
Address Breakdown
Residential
12,836
Single Family
11,430
Multi-Family
1,406
Businesses
303
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 2006
5,872 sqft lot
$N/A/sqft
$210 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95409, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,932 (100%) |
| Owner Occupied HU | 8,052 (62.3%) |
| Renter Occupied HU | 4,009 (31.0%) |
| Vacant Housing Units | 871 ( 6.7%) |
| Median Home Value | $865,320 |
| Average Home Value | $904,558 |
Housing Distribution
Address Breakdown
Residential
12,836
Single Family
11,430
Multi-Family
1,406
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marie A Mcbride • McBride Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325031335
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.