105 Virginia Ave APT 1SebastopolCA95472
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 105 Virginia Ave APT 1, Sebastopol, CA, 95472 in Sebastopol aligned with their strategy. Rental yield 7.33%. DSCR 1.36 and 7.33% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $3,859/yr in paydown build toward a projected cumulative return of $107,865.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.0% |
| Monthly Cash Flow | $(848) | $200 |
City averages based on Sebastopol market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,559 |
| Total Monthly Debt Service | $3,240 |
| DSCR Ratio | 0.79x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1981
487.87 sqft lot
$N/A/sqft
$698 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95472, Sebastopol, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,599 (100%) |
| Owner Occupied HU | 7,901 (62.7%) |
| Renter Occupied HU | 3,786 (30.1%) |
| Vacant Housing Units | 912 ( 7.2%) |
| Median Home Value | $1,028,091 |
| Average Home Value | $1,150,215 |
Housing Distribution
Address Breakdown
Residential
11,578
Single Family
11,232
Multi-Family
346
Businesses
831
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
Condo
Built in 1981
487.87 sqft lot
$N/A/sqft
$698 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95472, Sebastopol, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,599 (100%) |
| Owner Occupied HU | 7,901 (62.7%) |
| Renter Occupied HU | 3,786 (30.1%) |
| Vacant Housing Units | 912 ( 7.2%) |
| Median Home Value | $1,028,091 |
| Average Home Value | $1,150,215 |
Housing Distribution
Address Breakdown
Residential
11,578
Single Family
11,232
Multi-Family
346
Businesses
831
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephanie A Pile • Christopherson Properties
Mls Name: BAREIS
Mls Provider:
Mls ID: #325032836
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.