1225 El CentroNapaCA94558
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1225 El Centro, Napa, CA, 94558 in Napa fits: $925,000, 5.26% gross yield, and a projected 5% annual appreciation rate adding $255,560 in value within five years. Rental yield 5.26%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.97) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,519/yr in principal paydown and $255,560 in appreciation project a total return of $243,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.1% |
| Monthly Cash Flow | $(1,670) | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,052 |
| Total Monthly Debt Service | $5,354 |
| DSCR Ratio | 0.76x |
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.
Single Family
Built in 1980
9,831 sqft 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
Single Family
Built in 1980
9,831 sqft 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: Christopher L Colzani • Coldwell Banker BofV ST Helena
Mls Name: BAREIS
Mls ID: #326010024