319 Patty WayNapaCA94558
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 319 Patty Way, Napa, CA, 94558 in Napa speaks for itself: 26.58% gross on a $209,000 price, generating $4,630/mo in rent and $3,337/mo in net income after the $940/mo debt service. DSCR 4.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $40,040 stacks alongside $57,743 in projected five-year appreciation and $1,925/yr in principal reduction. Projected total cumulative return: $294,026.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 26.6% | 5.1% |
| Monthly Cash Flow | $3,337 | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,630 |
| Total Monthly Debt Service | $1,210 |
| DSCR Ratio | 3.83x |
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.
Manufactured
Built in 2015
N/A lot
$N/A/sqft
No 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
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
Manufactured
Built in 2015
N/A lot
$N/A/sqft
No 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
Nearby investment properties with comparable prices