115 Robin StNapaCA94558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 115 Robin St, Napa, CA, 94558 in Napa at $320,000 earns $2,147/mo in rent and nets $167/mo after the $1,439/mo payment, a 8.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,410 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $2,947/yr in principal paydown, total projected return reaches $132,116.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.1% |
| Monthly Cash Flow | $167 | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,147 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.16x |
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 1969
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94558, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,878 (100%) |
| Owner Occupied HU | 16,149 (57.9%) |
| Renter Occupied HU | 8,832 (31.7%) |
| Vacant Housing Units | 2,897 (10.4%) |
| Median Home Value | $912,802 |
| Average Home Value | $1,037,869 |
Housing Distribution
Address Breakdown
Residential
26,317
Single Family
22,611
Multi-Family
3,706
Businesses
2,053
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 1969
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94558, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,878 (100%) |
| Owner Occupied HU | 16,149 (57.9%) |
| Renter Occupied HU | 8,832 (31.7%) |
| Vacant Housing Units | 2,897 (10.4%) |
| Median Home Value | $912,802 |
| Average Home Value | $1,037,869 |
Housing Distribution
Address Breakdown
Residential
26,317
Single Family
22,611
Multi-Family
3,706
Businesses
2,053
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bruno Bermudez • L.A. Valley Realty Inc.
Mls Name: CRMLS
Mls ID: #SR25188593