Plan 2 Plan, The ElmsSaratogaCA95070
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 3.12%. Plan 2 Plan, The Elms, Saratoga, CA, 95070 in Saratoga fits: $1,919,990, 3.12% gross yield, and a projected 5% annual appreciation rate adding $530,458 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.55) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $16,095/yr in principal paydown and $530,458 in appreciation project a total return of $248,707.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.0% |
| Monthly Cash Flow | $(6,888) | $3,200 |
City averages based on Saratoga market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,990 |
| Total Monthly Debt Service | $11,582 |
| DSCR Ratio | 0.43x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95070, Saratoga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,681 (100%) |
| Owner Occupied HU | 9,380 (80.3%) |
| Renter Occupied HU | 1,775 (15.2%) |
| Vacant Housing Units | 526 ( 4.5%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,980,693 |
Housing Distribution
Address Breakdown
Residential
11,654
Single Family
11,031
Multi-Family
623
Businesses
958
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A
