2 NW Pine Flat RdCazaderoCA95421
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2 NW Pine Flat Rd, Cazadero, CA, 95421 in Cazadero is priced for appreciation, not yield. Rental yield 5.62%. At $705,000 with a 5.62% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $194,779 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.04) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $193,056.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(1,161) | $300 |
City averages based on Cazadero market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,300 |
| Total Monthly Debt Service | $4,181 |
| DSCR Ratio | 0.79x |
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 1980
0.56 Acres lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95421, Cazadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,135 (100%) |
| Owner Occupied HU | 525 (46.3%) |
| Renter Occupied HU | 181 (15.9%) |
| Vacant Housing Units | 429 (37.8%) |
| Median Home Value | $895,677 |
| Average Home Value | $975,676 |
Housing Distribution
Address Breakdown
Residential
488
Single Family
485
Multi-Family
3
Businesses
64
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 1980
0.56 Acres lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95421, Cazadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,135 (100%) |
| Owner Occupied HU | 525 (46.3%) |
| Renter Occupied HU | 181 (15.9%) |
| Vacant Housing Units | 429 (37.8%) |
| Median Home Value | $895,677 |
| Average Home Value | $975,676 |
Housing Distribution
Address Breakdown
Residential
488
Single Family
485
Multi-Family
3
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Helena Gustavsson Giesea • Berkshire Hathaway
Mls Name: BAREIS
Mls Provider:
Mls ID: #324039840
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.