1765 Pine AvePetalumaCA94954
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1765 Pine Ave, Petaluma, CA, 94954 in Petaluma worth study. Rental yield 5.97%. The 5.97% gross yield is below cash-flow benchmarks at $729,000, but 5% annual appreciation, adding $201,409 over five years, frames this as a capital growth position. Rent of $3,629/mo partially offsets the $3,278/mo payment. Ziffy Mortgage finances appreciation-play properties (1.11 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $219,765.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(881) | $1,500 |
City averages based on Petaluma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,629 |
| Total Monthly Debt Service | $4,220 |
| DSCR Ratio | 0.86x |
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 1966
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94954, Petaluma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,030 (100%) |
| Owner Occupied HU | 9,664 (64.3%) |
| Renter Occupied HU | 4,649 (30.9%) |
| Vacant Housing Units | 717 ( 4.8%) |
| Median Home Value | $805,413 |
| Average Home Value | $821,285 |
Housing Distribution
Address Breakdown
Residential
14,814
Single Family
12,813
Multi-Family
2,001
Businesses
1,036
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 1966
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94954, Petaluma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,030 (100%) |
| Owner Occupied HU | 9,664 (64.3%) |
| Renter Occupied HU | 4,649 (30.9%) |
| Vacant Housing Units | 717 ( 4.8%) |
| Median Home Value | $805,413 |
| Average Home Value | $821,285 |
Housing Distribution
Address Breakdown
Residential
14,814
Single Family
12,813
Multi-Family
2,001
Businesses
1,036
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bonnie Parks-Merrill • Westgate Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #325036534
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.