8294 Windmill Farms DrCotatiCA94931
INVESTMENT ANALYSIS
Investment Verdict
Solid Income8294 Windmill Farms Dr, Cotati, CA, 94931 in Cotati earns a respectable 8.63% gross yield at $496,100, but after the $2,231/mo mortgage the net cash flow is $94/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.60) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $137,063 over five years, making equity the dominant return driver. Total projected return: $195,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.0% |
| Monthly Cash Flow | $94 | $1,500 |
City averages based on Cotati market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,568 |
| Total Monthly Debt Service | $3,277 |
| DSCR Ratio | 1.09x |
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.
Townhouse
Built in 1981
1,742 sqft lot
$N/A/sqft
$253 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94931, Cotati, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,195 (100%) |
| Owner Occupied HU | 2,342 (55.8%) |
| Renter Occupied HU | 1,684 (40.1%) |
| Vacant Housing Units | 169 ( 4.0%) |
| Median Home Value | $764,402 |
| Average Home Value | $815,549 |
Housing Distribution
Address Breakdown
Residential
3,732
Single Family
3,255
Multi-Family
477
Businesses
551
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
Townhouse
Built in 1981
1,742 sqft lot
$N/A/sqft
$253 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94931, Cotati, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,195 (100%) |
| Owner Occupied HU | 2,342 (55.8%) |
| Renter Occupied HU | 1,684 (40.1%) |
| Vacant Housing Units | 169 ( 4.0%) |
| Median Home Value | $764,402 |
| Average Home Value | $815,549 |
Housing Distribution
Address Breakdown
Residential
3,732
Single Family
3,255
Multi-Family
477
Businesses
551
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A