1559 Silverado Terrace Loop #38CalistogaCA94515
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1559 Silverado Terrace Loop #38, Calistoga, CA, 94515 in Calistoga at $649,900 earns $4,500/mo in rent and nets $91/mo after the $2,922/mo payment, a 8.31% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $179,555 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $5,986/yr in principal paydown, total projected return reaches $253,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $91 | $1,500 |
City averages based on Calistoga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,500 |
| Total Monthly Debt Service | $4,151 |
| DSCR Ratio | 1.08x |
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.
Condo
Built in N/A
N/A lot
$N/A/sqft
$389 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94515, Calistoga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,281 (100%) |
| Owner Occupied HU | 1,573 (47.9%) |
| Renter Occupied HU | 1,132 (34.5%) |
| Vacant Housing Units | 576 (17.6%) |
| Median Home Value | $926,881 |
| Average Home Value | $1,090,348 |
Housing Distribution
Address Breakdown
Residential
2,972
Single Family
2,810
Multi-Family
162
Businesses
424
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
Condo
Built in N/A
N/A lot
$N/A/sqft
$389 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94515, Calistoga, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,281 (100%) |
| Owner Occupied HU | 1,573 (47.9%) |
| Renter Occupied HU | 1,132 (34.5%) |
| Vacant Housing Units | 576 (17.6%) |
| Median Home Value | $926,881 |
| Average Home Value | $1,090,348 |
Housing Distribution
Address Breakdown
Residential
2,972
Single Family
2,810
Multi-Family
162
Businesses
424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ann Marie Olson • DeNova Home Sales Inc
Mls Name: BAREIS
Mls Provider:
Mls ID: #326007605
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