236 Adobe RoadPenngroveCA94951
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 236 Adobe Road, Penngrove, CA, 94951 in Penngrove at $1,375,000, 4.2% gross yield, is a market-growth asset. Rental yield 4.2%. The $4,814/mo rent partially funds the $6,183/mo debt service; the core return is the 5%/yr price growth projected to add $379,887 over five years. Ziffy Mortgage's DSCR mortgage (0.78) 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: $283,742.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 5.5% |
| Monthly Cash Flow | $(3,692) | $350 |
City averages based on Penngrove market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,814 |
| Total Monthly Debt Service | $7,959 |
| DSCR Ratio | 0.60x |
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 2000
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94951, Penngrove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,802 (100%) |
| Owner Occupied HU | 1,249 (69.3%) |
| Renter Occupied HU | 459 (25.5%) |
| Vacant Housing Units | 94 ( 5.2%) |
| Median Home Value | $1,125,965 |
| Average Home Value | $1,188,221 |
Housing Distribution
Address Breakdown
Residential
1,403
Single Family
1,402
Multi-Family
1
Businesses
191
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 2000
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94951, Penngrove, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,802 (100%) |
| Owner Occupied HU | 1,249 (69.3%) |
| Renter Occupied HU | 459 (25.5%) |
| Vacant Housing Units | 94 ( 5.2%) |
| Median Home Value | $1,125,965 |
| Average Home Value | $1,188,221 |
Housing Distribution
Address Breakdown
Residential
1,403
Single Family
1,402
Multi-Family
1
Businesses
191
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326016511