15 8th StreetPetalumaCA94952
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 15 8th Street, Petaluma, CA, 94952 in Petaluma is capital appreciation. Rental yield 3.77%. The 3.77% gross yield at $1,679,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $463,877 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.70) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $308,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(5,107) | $1,500 |
City averages based on Petaluma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,280 |
| Total Monthly Debt Service | $9,719 |
| DSCR Ratio | 0.54x |
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 1910
6,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94952, Petaluma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,616 (100%) |
| Owner Occupied HU | 8,274 (56.6%) |
| Renter Occupied HU | 5,554 (38.0%) |
| Vacant Housing Units | 788 ( 5.4%) |
| Median Home Value | $1,014,839 |
| Average Home Value | $1,143,839 |
Housing Distribution
Address Breakdown
Residential
13,665
Single Family
12,963
Multi-Family
702
Businesses
1,523
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 1910
6,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94952, Petaluma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,616 (100%) |
| Owner Occupied HU | 8,274 (56.6%) |
| Renter Occupied HU | 5,554 (38.0%) |
| Vacant Housing Units | 788 ( 5.4%) |
| Median Home Value | $1,014,839 |
| Average Home Value | $1,143,839 |
Housing Distribution
Address Breakdown
Residential
13,665
Single Family
12,963
Multi-Family
702
Businesses
1,523
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denise Lucchesi • Century 21 Epic
Mls Name: BAREIS
Mls ID: #325077520