31258 Highway 128 RoadCloverdaleCA95425
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 31258 Highway 128 Road, Cloverdale, CA, 95425 in Cloverdale worth study. Rental yield 2.17%. The 2.17% gross yield is below cash-flow benchmarks at $1,700,000, but 5% annual appreciation, adding $469,679 over five years, frames this as a capital growth position. Rent of $3,074/mo partially offsets the $7,644/mo payment. Ziffy Mortgage finances appreciation-play properties (0.40 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $165,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 7.0% |
| Monthly Cash Flow | $(7,442) | $500 |
City averages based on Cloverdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,074 |
| Total Monthly Debt Service | $9,840 |
| DSCR Ratio | 0.31x |
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 1925
171.55 Acres lot
$N/A/sqft
No 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 1925
171.55 Acres lot
$N/A/sqft
No 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
Listed by: Jeffrey M Bounsall • Coldwell Banker Realty
Mls Name: BAREIS
Mls ID: #325080019