152 Valparaiso AveCotatiCA94931
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.58% gross rental yield, 152 Valparaiso Ave, Cotati, CA, 94931 in Cotati is priced for capital growth, not immediate cash flow. The $1,190,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $328,775 by year five, with $10,960/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.48) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $80,589.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 5.0% |
| Monthly Cash Flow | $(5,829) | $1,500 |
City averages based on Cotati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,558 |
| Total Monthly Debt Service | $7,913 |
| DSCR Ratio | 0.32x |
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 1971
5,035 sqft lot
$N/A/sqft
$1,025 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94931, Cotati, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,195 (100%) |
| Owner Occupied HU | 2,342 (55.8%) |
| Renter Occupied HU | 1,684 (40.1%) |
| Vacant Housing Units | 169 ( 4.0%) |
| Median Home Value | $764,402 |
| Average Home Value | $815,549 |
Housing Distribution
Address Breakdown
Residential
3,732
Single Family
3,255
Multi-Family
477
Businesses
551
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 1971
5,035 sqft lot
$N/A/sqft
$1,025 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94931, Cotati, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,195 (100%) |
| Owner Occupied HU | 2,342 (55.8%) |
| Renter Occupied HU | 1,684 (40.1%) |
| Vacant Housing Units | 169 ( 4.0%) |
| Median Home Value | $764,402 |
| Average Home Value | $815,549 |
Housing Distribution
Address Breakdown
Residential
3,732
Single Family
3,255
Multi-Family
477
Businesses
551
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adam J Menconi • Coldwell Banker Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325038299
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.