17140 Highway 116GuernevilleCA95446
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 17140 Highway 116, Guerneville, CA, 95446 in Guerneville at $810,000, 5.69% gross yield, is a market-growth asset. Rental yield 5.69%. The $3,840/mo rent partially funds the $3,642/mo debt service; the core return is the 5%/yr price growth projected to add $223,788 over five years. Ziffy Mortgage's DSCR mortgage (1.05) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $231,795.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.5% |
| Monthly Cash Flow | $(1,171) | $1,500 |
City averages based on Guerneville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,840 |
| Total Monthly Debt Service | $4,689 |
| DSCR Ratio | 0.82x |
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 1935
10,216 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95446, Guerneville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,254 (100%) |
| Owner Occupied HU | 1,296 (39.8%) |
| Renter Occupied HU | 853 (26.2%) |
| Vacant Housing Units | 1,105 (34.0%) |
| Median Home Value | $863,402 |
| Average Home Value | $957,448 |
Housing Distribution
Address Breakdown
Residential
2,562
Single Family
2,562
Multi-Family
0
Businesses
205
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 1935
10,216 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95446, Guerneville, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,254 (100%) |
| Owner Occupied HU | 1,296 (39.8%) |
| Renter Occupied HU | 853 (26.2%) |
| Vacant Housing Units | 1,105 (34.0%) |
| Median Home Value | $863,402 |
| Average Home Value | $957,448 |
Housing Distribution
Address Breakdown
Residential
2,562
Single Family
2,562
Multi-Family
0
Businesses
205
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debra Johnson • Berkshire Hathaway
Mls Name: BAREIS
Mls Provider:
Mls ID: #324052653
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.