6694 Oakmont DriveSanta RosaCA95409
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6694 Oakmont Drive, Santa Rosa, CA, 95409 in Santa Rosa is narrow, $165/mo net on $4,320/mo rent after the $2,923/mo debt service, but the property operates at break-even-plus, not a loss. At $650,000 with a 7.98% yield, the long-run equity case via 5% appreciation ($179,583 over five years) and $5,987/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $265,715.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $165 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,320 |
| Total Monthly Debt Service | $3,762 |
| DSCR Ratio | 1.15x |
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 1964
5,998 sqft lot
$N/A/sqft
No 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 1964
5,998 sqft lot
$N/A/sqft
No 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: N/A • N/A
Mls Name: BAREIS
Mls ID: #326057944