377 W Spain StreetSonomaCA95476
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 377 W Spain Street, Sonoma, CA, 95476 in Sonoma the bet is firmly on appreciation. Rental yield 5.99%. The 5.99% gross yield on a $895,000 price is below income-first thresholds, but 5%/yr value growth projects $247,272 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.11) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $270,663.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(1,068) | $500 |
City averages based on Sonoma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,469 |
| Total Monthly Debt Service | $5,181 |
| DSCR Ratio | 0.86x |
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 1951
6,298 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95476, Sonoma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,507 (100%) |
| Owner Occupied HU | 9,082 (55.0%) |
| Renter Occupied HU | 5,536 (33.5%) |
| Vacant Housing Units | 1,889 (11.4%) |
| Median Home Value | $938,157 |
| Average Home Value | $1,126,483 |
Housing Distribution
Address Breakdown
Residential
15,506
Single Family
14,519
Multi-Family
987
Businesses
1,816
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 1951
6,298 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95476, Sonoma, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,507 (100%) |
| Owner Occupied HU | 9,082 (55.0%) |
| Renter Occupied HU | 5,536 (33.5%) |
| Vacant Housing Units | 1,889 (11.4%) |
| Median Home Value | $938,157 |
| Average Home Value | $1,126,483 |
Housing Distribution
Address Breakdown
Residential
15,506
Single Family
14,519
Multi-Family
987
Businesses
1,816
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maurice Tegelaar • Compass
Mls Name: BAREIS
Mls ID: #326003993