1490 Hemlock StNapaCA94559
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 1490 Hemlock St, Napa, CA, 94559 in Napa. At $600,000 it earns $3,965/mo in rent and distributes $253/mo to the owner after the $2,698/mo payment, a consistent 7.93% yield. DSCR 1.47 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $165,769 in value; $5,526/yr in principal paydown compounds ownership stake. Total projected return: $243,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.1% |
| Monthly Cash Flow | $253 | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,965 |
| Total Monthly Debt Service | $3,473 |
| 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 1952
N/A 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 1952
N/A 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
Listed by: Julio Llamas • Serve First Realty
Mls Name: MetroList Services of CA
Mls ID: #325085733