431 Seymour StNapaCA94559
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 431 Seymour St, Napa, CA, 94559 in Napa worth study. Rental yield 1.79%. The 1.79% gross yield is below cash-flow benchmarks at $1,994,900, but 5% annual appreciation, adding $551,154 over five years, frames this as a capital growth position. Rent of $2,975/mo partially offsets the $8,970/mo payment. Ziffy Mortgage finances appreciation-play properties (0.33 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $153,749.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 5.1% |
| Monthly Cash Flow | $(9,366) | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,975 |
| Total Monthly Debt Service | $11,547 |
| DSCR Ratio | 0.26x |
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 1918
7,340 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94559, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,935 (100%) |
| Owner Occupied HU | 5,036 (42.2%) |
| Renter Occupied HU | 5,654 (47.4%) |
| Vacant Housing Units | 1,245 (10.4%) |
| Median Home Value | $942,495 |
| Average Home Value | $1,048,604 |
Housing Distribution
Address Breakdown
Residential
11,614
Single Family
9,123
Multi-Family
2,491
Businesses
1,756
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 1918
7,340 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94559, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,935 (100%) |
| Owner Occupied HU | 5,036 (42.2%) |
| Renter Occupied HU | 5,654 (47.4%) |
| Vacant Housing Units | 1,245 (10.4%) |
| Median Home Value | $942,495 |
| Average Home Value | $1,048,604 |
Housing Distribution
Address Breakdown
Residential
11,614
Single Family
9,123
Multi-Family
2,491
Businesses
1,756
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cathi Litle • Coldwell Banker B of V-Napa
Mls Name: BAREIS
Mls Provider:
Mls ID: #325034096
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.