425 W Sierra Ave #9CotatiCA94931
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 425 W Sierra Ave #9, Cotati, CA, 94931 in Cotati. Priced at $204,950, it generates $4,200/mo in gross rent and $2,932/mo in net monthly cash flow, a 24.59% yield that comfortably supports the 4.56 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $35,186. Five-year appreciation: $56,624. Equity from principal paydown: $1,888/yr. Total projected cumulative return: $266,416.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24.6% | 5.0% |
| Monthly Cash Flow | $2,932 | $1,500 |
City averages based on Cotati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,200 |
| Total Monthly Debt Service | $1,186 |
| DSCR Ratio | 3.54x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94931, Cotati, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,195 (100%) |
| Owner Occupied HU | 2,342 (55.8%) |
| Renter Occupied HU | 1,684 (40.1%) |
| Vacant Housing Units | 169 ( 4.0%) |
| Median Home Value | $764,402 |
| Average Home Value | $815,549 |
Housing Distribution
Address Breakdown
Residential
3,732
Single Family
3,255
Multi-Family
477
Businesses
551
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94931, Cotati, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,195 (100%) |
| Owner Occupied HU | 2,342 (55.8%) |
| Renter Occupied HU | 1,684 (40.1%) |
| Vacant Housing Units | 169 ( 4.0%) |
| Median Home Value | $764,402 |
| Average Home Value | $815,549 |
Housing Distribution
Address Breakdown
Residential
3,732
Single Family
3,255
Multi-Family
477
Businesses
551
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherrie Johnston • Harmony Communities, Inc.
Mls Name: MetroList Services of CA
Mls ID: #324083581