25 Fountain Grove CirNapaCA94558
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 25 Fountain Grove Cir, Napa, CA, 94558 in Napa worth study. Rental yield 4.77%. The 4.77% gross yield is below cash-flow benchmarks at $767,500, but 5% annual appreciation, adding $212,046 over five years, frames this as a capital growth position. Rent of $3,053/mo partially offsets the $3,638/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $123,075.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.1% |
| Monthly Cash Flow | $(2,436) | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,053 |
| Total Monthly Debt Service | $5,370 |
| DSCR Ratio | 0.57x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1988
1,860 sqft lot
$N/A/sqft
$623 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94558, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,878 (100%) |
| Owner Occupied HU | 16,149 (57.9%) |
| Renter Occupied HU | 8,832 (31.7%) |
| Vacant Housing Units | 2,897 (10.4%) |
| Median Home Value | $912,802 |
| Average Home Value | $1,037,869 |
Housing Distribution
Address Breakdown
Residential
26,317
Single Family
22,611
Multi-Family
3,706
Businesses
2,053
Nearby investment properties with comparable rents
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David S Johnson • Napa Residential Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #324091225
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.
