13240 S Highway 101HoplandCA95449
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 13240 S Highway 101, Hopland, CA, 95449 in Hopland fits: $1,500,000, 1.92% gross yield, and a projected 5% annual appreciation rate adding $414,422 in value within five years. Rental yield 1.92%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.36) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,815/yr in principal paydown and $414,422 in appreciation project a total return of $126,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.2% |
| Monthly Cash Flow | $(6,880) | $1,500 |
City averages based on Hopland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,399 |
| Total Monthly Debt Service | $8,682 |
| DSCR Ratio | 0.28x |
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.
Multi Family
Built in N/A
87.12 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95449, Hopland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 797 (100%) |
| Owner Occupied HU | 388 (48.7%) |
| Renter Occupied HU | 272 (34.1%) |
| Vacant Housing Units | 137 (17.2%) |
| Median Home Value | $722,403 |
| Average Home Value | $889,240 |
Housing Distribution
Address Breakdown
Residential
417
Single Family
417
Multi-Family
0
Businesses
82
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
Multi Family
Built in N/A
87.12 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95449, Hopland, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 797 (100%) |
| Owner Occupied HU | 388 (48.7%) |
| Renter Occupied HU | 272 (34.1%) |
| Vacant Housing Units | 137 (17.2%) |
| Median Home Value | $722,403 |
| Average Home Value | $889,240 |
Housing Distribution
Address Breakdown
Residential
417
Single Family
417
Multi-Family
0
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Howard Egan • Luxe Places International R
Mls Name: BAREIS
Mls ID: #326002461