380 - 378 Bohemian HighwayFreestoneCA95472
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayRental yield 3.37%. The 3.37% gross yield on a $1,095,000 price is below income-first thresholds, but 5%/yr value growth projects $302,528 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.63) 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: $177,421.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 5.0% |
| Monthly Cash Flow | $(3,695) | $1,500 |
City averages based on Freestone market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,079 |
| Total Monthly Debt Service | $6,338 |
| DSCR Ratio | 0.49x |
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 2012
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95472, Sebastopol, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,599 (100%) |
| Owner Occupied HU | 7,901 (62.7%) |
| Renter Occupied HU | 3,786 (30.1%) |
| Vacant Housing Units | 912 ( 7.2%) |
| Median Home Value | $1,028,091 |
| Average Home Value | $1,150,215 |
Housing Distribution
Address Breakdown
Residential
11,578
Single Family
11,232
Multi-Family
346
Businesses
831
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 2012
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95472, Sebastopol, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,599 (100%) |
| Owner Occupied HU | 7,901 (62.7%) |
| Renter Occupied HU | 3,786 (30.1%) |
| Vacant Housing Units | 912 ( 7.2%) |
| Median Home Value | $1,028,091 |
| Average Home Value | $1,150,215 |
Housing Distribution
Address Breakdown
Residential
11,578
Single Family
11,232
Multi-Family
346
Businesses
831
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326025182