26 San Lucas CtSaint HelenaCA94574
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 26 San Lucas Ct, Saint Helena, CA, 94574 in Saint Helena. At $300,000 it earns $2,123/mo in rent and distributes $267/mo to the owner after the $1,422/mo payment, a consistent 8.49% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $82,884 in value; $2,515/yr in principal paydown compounds ownership stake. Total projected return: $125,328.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.5% |
| Monthly Cash Flow | $267 | $1,500 |
City averages based on Saint Helena 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 | $2,123 |
| Total Monthly Debt Service | $1,810 |
| DSCR Ratio | 1.17x |
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 6.5% rate / 30-yr fixed, 25% 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
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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
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Listed by: N/A • N/A
Mls Name: MetroList Services of CA
Mls ID: #326079931
