636 Cottage DriveNapaCA94558
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 636 Cottage Drive, Napa, CA, 94558 in Napa worth study. Rental yield 3.07%. The 3.07% gross yield is below cash-flow benchmarks at $1,195,000, but 5% annual appreciation, adding $330,156 over five years, frames this as a capital growth position. Rent of $3,053/mo partially offsets the $5,373/mo payment. Ziffy Mortgage finances appreciation-play properties (0.57 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $118,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.1% |
| Monthly Cash Flow | $(5,260) | $1,200 |
City averages based on Napa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,053 |
| Total Monthly Debt Service | $7,837 |
| DSCR Ratio | 0.39x |
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.
Condo
Built in 1972
1,010 sqft lot
$N/A/sqft
$920 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94558, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,878 (100%) |
| Owner Occupied HU | 16,149 (57.9%) |
| Renter Occupied HU | 8,832 (31.7%) |
| Vacant Housing Units | 2,897 (10.4%) |
| Median Home Value | $912,802 |
| Average Home Value | $1,037,869 |
Housing Distribution
Address Breakdown
Residential
26,317
Single Family
22,611
Multi-Family
3,706
Businesses
2,053
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 1972
1,010 sqft lot
$N/A/sqft
$920 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94558, Napa, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,878 (100%) |
| Owner Occupied HU | 16,149 (57.9%) |
| Renter Occupied HU | 8,832 (31.7%) |
| Vacant Housing Units | 2,897 (10.4%) |
| Median Home Value | $912,802 |
| Average Home Value | $1,037,869 |
Housing Distribution
Address Breakdown
Residential
26,317
Single Family
22,611
Multi-Family
3,706
Businesses
2,053
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Megan Mehlhope • Engel & Volkers Napa
Mls Name: BAREIS
Mls Provider:
Mls ID: #325053693
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.