1160 Pine StNapaCA94559
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Napa rental at 1160 Pine St, Napa, CA, 94559 sits in the solid-income band: 7.92% gross yield, $12,542/mo rent, $789/mo net after the $8,544/mo debt service, DSCR 1.47. Entry price of $1,900,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $524,935 and $17,499/yr in principal reduction bring total cumulative return to $771,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.1% |
| Monthly Cash Flow | $789 | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,542 |
| Total Monthly Debt Service | $10,998 |
| DSCR Ratio | 1.14x |
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 1892
7,789 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94559, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,935 (100%) |
| Owner Occupied HU | 5,036 (42.2%) |
| Renter Occupied HU | 5,654 (47.4%) |
| Vacant Housing Units | 1,245 (10.4%) |
| Median Home Value | $942,495 |
| Average Home Value | $1,048,604 |
Housing Distribution
Address Breakdown
Residential
11,614
Single Family
9,123
Multi-Family
2,491
Businesses
1,756
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 1892
7,789 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94559, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,935 (100%) |
| Owner Occupied HU | 5,036 (42.2%) |
| Renter Occupied HU | 5,654 (47.4%) |
| Vacant Housing Units | 1,245 (10.4%) |
| Median Home Value | $942,495 |
| Average Home Value | $1,048,604 |
Housing Distribution
Address Breakdown
Residential
11,614
Single Family
9,123
Multi-Family
2,491
Businesses
1,756
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices