92 Westgate CircleSanta RosaCA95401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.02% yield at 92 Westgate Circle, Santa Rosa, CA, 95401 in Santa Rosa is solid, but the $1,866/mo payment compresses net cash flow to $95/mo at $415,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $114,657 by year five, and $3,822/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.49) without U.S. income documentation. Total projected return: $163,947.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.0% |
| Monthly Cash Flow | $95 | $250 |
City averages based on Santa Rosa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,774 |
| Total Monthly Debt Service | $2,514 |
| DSCR Ratio | 1.10x |
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 1972
3,358 sqft lot
$N/A/sqft
$112 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95401, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,425 (100%) |
| Owner Occupied HU | 7,424 (51.5%) |
| Renter Occupied HU | 6,327 (43.9%) |
| Vacant Housing Units | 674 ( 4.7%) |
| Median Home Value | $688,640 |
| Average Home Value | $759,408 |
Housing Distribution
Address Breakdown
Residential
14,297
Single Family
11,899
Multi-Family
2,398
Businesses
1,420
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 1972
3,358 sqft lot
$N/A/sqft
$112 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95401, Santa Rosa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,425 (100%) |
| Owner Occupied HU | 7,424 (51.5%) |
| Renter Occupied HU | 6,327 (43.9%) |
| Vacant Housing Units | 674 ( 4.7%) |
| Median Home Value | $688,640 |
| Average Home Value | $759,408 |
Housing Distribution
Address Breakdown
Residential
14,297
Single Family
11,899
Multi-Family
2,398
Businesses
1,420
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathy Leeks Dean • Berkshire Hathaway
Mls Name: BAREIS
Mls Provider:
Mls ID: #325082994
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