26880 Toyon LnCloverdaleCA95425
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.53% yield at 26880 Toyon Ln, Cloverdale, CA, 95425 in Cloverdale is solid, but the $5,284/mo payment compresses net cash flow to $31/mo at $1,175,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $324,631 by year five, and $10,822/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.40) without U.S. income documentation. Total projected return: $447,795.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.0% |
| Monthly Cash Flow | $31 | $500 |
City averages based on Cloverdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,373 |
| Total Monthly Debt Service | $6,875 |
| DSCR Ratio | 1.07x |
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.
Single Family
Built in 1988
2.72 Acres lot
$N/A/sqft
$220 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95425, Cloverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,610 (100%) |
| Owner Occupied HU | 2,768 (60.0%) |
| Renter Occupied HU | 1,508 (32.7%) |
| Vacant Housing Units | 334 ( 7.2%) |
| Median Home Value | $681,283 |
| Average Home Value | $827,243 |
Housing Distribution
Address Breakdown
Residential
4,471
Single Family
4,189
Multi-Family
282
Businesses
413
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 1988
2.72 Acres lot
$N/A/sqft
$220 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95425, Cloverdale, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,610 (100%) |
| Owner Occupied HU | 2,768 (60.0%) |
| Renter Occupied HU | 1,508 (32.7%) |
| Vacant Housing Units | 334 ( 7.2%) |
| Median Home Value | $681,283 |
| Average Home Value | $827,243 |
Housing Distribution
Address Breakdown
Residential
4,471
Single Family
4,189
Multi-Family
282
Businesses
413
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices