8310 Windmill Farms DriveCotatiCA94931
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 8310 Windmill Farms Drive, Cotati, CA, 94931 in Cotati is narrow, $71/mo net on $3,166/mo rent after the $2,110/mo debt service, but the property operates at break-even-plus, not a loss. At $445,000 with a 8.54% yield, the long-run equity case via 5% appreciation ($122,945 over five years) and $3,730/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $186,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.0% |
| Monthly Cash Flow | $71 | $1,500 |
City averages based on Cotati 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 | $3,166 |
| Total Monthly Debt Service | $2,684 |
| DSCR Ratio | 1.18x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1981
1,306 sqft lot
$N/A/sqft
No 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
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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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Listed by: N/A • N/A
Mls Name: BAREIS
Mls Provider:
Mls ID: #326076266
