22 San Lucas Court StHelenaCA94574
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 22 San Lucas Court St, Helena, CA, 94574 in Helena. Priced at $265,000, it generates $7,080/mo in gross rent and $5,441/mo in net monthly cash flow, a 32.06% yield that comfortably supports the 5.94 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $65,288. Five-year appreciation: $73,215. Equity from principal paydown: $2,441/yr. Total projected cumulative return: $450,571.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 32.1% | 6.0% |
| Monthly Cash Flow | $5,441 | $400 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,080 |
| Total Monthly Debt Service | $1,534 |
| DSCR Ratio | 4.62x |
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.
Manufactured
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94574, Saint Helena, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,240 (100%) |
| Owner Occupied HU | 1,866 (44.0%) |
| Renter Occupied HU | 1,437 (33.9%) |
| Vacant Housing Units | 937 (22.1%) |
| Median Home Value | $1,714,286 |
| Average Home Value | $1,630,202 |
Housing Distribution
Address Breakdown
Residential
4,116
Single Family
3,579
Multi-Family
537
Businesses
862
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
Manufactured
Built in 1973
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94574, Saint Helena, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,240 (100%) |
| Owner Occupied HU | 1,866 (44.0%) |
| Renter Occupied HU | 1,437 (33.9%) |
| Vacant Housing Units | 937 (22.1%) |
| Median Home Value | $1,714,286 |
| Average Home Value | $1,630,202 |
Housing Distribution
Address Breakdown
Residential
4,116
Single Family
3,579
Multi-Family
537
Businesses
862
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices