525 Railroad StGratonCA95444
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.54% gross rental yield, 525 Railroad St, Graton, CA, 95444 in Graton is priced for capital growth, not immediate cash flow. The $1,249,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $345,076 by year five, with $11,503/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.66) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $213,531.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.0% |
| Monthly Cash Flow | $(4,041) | $250 |
City averages based on Graton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,685 |
| Total Monthly Debt Service | $7,230 |
| DSCR Ratio | 0.51x |
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 1985
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95444, Graton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 276 (100%) |
| Owner Occupied HU | 171 (62.0%) |
| Renter Occupied HU | 86 (31.2%) |
| Vacant Housing Units | 19 ( 6.9%) |
| Median Home Value | $976,563 |
| Average Home Value | $1,146,053 |
Housing Distribution
Address Breakdown
Residential
255
Single Family
255
Multi-Family
0
Businesses
68
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 1985
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95444, Graton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 276 (100%) |
| Owner Occupied HU | 171 (62.0%) |
| Renter Occupied HU | 86 (31.2%) |
| Vacant Housing Units | 19 ( 6.9%) |
| Median Home Value | $976,563 |
| Average Home Value | $1,146,053 |
Housing Distribution
Address Breakdown
Residential
255
Single Family
255
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cory Maguire • Corcoran Icon Properties
Mls Name: BAREIS
Mls Provider:
Mls ID: #325016452
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.