51 Vineyard CircleSonomaCA95476
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 51 Vineyard Circle, Sonoma, CA, 95476 in Sonoma at $564,750 earns $3,649/mo in rent and nets $156/mo after the $2,539/mo payment, a 7.75% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $156,030 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $5,201/yr in principal paydown, total projected return reaches $224,185.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $156 | $500 |
City averages based on Sonoma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,649 |
| Total Monthly Debt Service | $3,269 |
| DSCR Ratio | 1.12x |
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.
Condo
Built in 1974
1,598 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
Condo
Built in 1974
1,598 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: Mara Kahn • Reserve Properties
Mls Name: BAREIS
Mls ID: #325062035