556 Montecito BoulevardNapaCA94559
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.01% gross rental yield, 556 Montecito Boulevard, Napa, CA, 94559 in Napa is priced for capital growth, not immediate cash flow. The $1,975,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $545,656 by year five, with $16,556/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.70) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $350,169.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.1% |
| Monthly Cash Flow | $(5,618) | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $6,600 |
| Total Monthly Debt Service | $11,914 |
| DSCR Ratio | 0.55x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1967
0.78 Acres 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
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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
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Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls Provider:
Mls ID: #326074211
