56 Laguna Seca CourtHelenaCA94574
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 56 Laguna Seca Court, Helena, CA, 94574 in Helena earns a 8.98% gross yield at $429,000. Rent of $3,209/mo nets $555/mo after the $1,929/mo mortgage. The 1.66 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $118,525 and $3,951/yr in equity accumulation project a total cumulative return of $198,388.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $555 | $400 |
City averages based on Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,209 |
| Total Monthly Debt Service | $2,483 |
| DSCR Ratio | 1.29x |
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 2015
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94574, Saint Helena, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,240 (100%) |
| Owner Occupied HU | 1,866 (44.0%) |
| Renter Occupied HU | 1,437 (33.9%) |
| Vacant Housing Units | 937 (22.1%) |
| Median Home Value | $1,714,286 |
| Average Home Value | $1,630,202 |
Housing Distribution
Address Breakdown
Residential
4,116
Single Family
3,579
Multi-Family
537
Businesses
862
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 2015
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94574, Saint Helena, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,240 (100%) |
| Owner Occupied HU | 1,866 (44.0%) |
| Renter Occupied HU | 1,437 (33.9%) |
| Vacant Housing Units | 937 (22.1%) |
| Median Home Value | $1,714,286 |
| Average Home Value | $1,630,202 |
Housing Distribution
Address Breakdown
Residential
4,116
Single Family
3,579
Multi-Family
537
Businesses
862
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erin Lail • Coldwell Banker BofV ST Helena
Mls Name: BAREIS
Mls ID: #325093824