1020 Catalpa WayPetalumaCA94954
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1020 Catalpa Way, Petaluma, CA, 94954 in Petaluma is narrow, $62/mo net on $5,314/mo rent after the $3,818/mo debt service, but the property operates at break-even-plus, not a loss. At $849,000 with a 7.51% yield, the long-run equity case via 5% appreciation ($234,563 over five years) and $7,819/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $325,901.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $62 | $1,500 |
City averages based on Petaluma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,314 |
| Total Monthly Debt Service | $4,914 |
| DSCR Ratio | 1.08x |
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 1970
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94954, Petaluma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,030 (100%) |
| Owner Occupied HU | 9,664 (64.3%) |
| Renter Occupied HU | 4,649 (30.9%) |
| Vacant Housing Units | 717 ( 4.8%) |
| Median Home Value | $805,413 |
| Average Home Value | $821,285 |
Housing Distribution
Address Breakdown
Residential
14,814
Single Family
12,813
Multi-Family
2,001
Businesses
1,036
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 1970
5,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94954, Petaluma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,030 (100%) |
| Owner Occupied HU | 9,664 (64.3%) |
| Renter Occupied HU | 4,649 (30.9%) |
| Vacant Housing Units | 717 ( 4.8%) |
| Median Home Value | $805,413 |
| Average Home Value | $821,285 |
Housing Distribution
Address Breakdown
Residential
14,814
Single Family
12,813
Multi-Family
2,001
Businesses
1,036
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew D Eshoo • Pacific Alliance Real Estate
Mls Name: BAREIS
Mls ID: #325097750