1028 Marina DriveNapaCA94559
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1028 Marina Drive, Napa, CA, 94559 in Napa at $445,000 earns $3,198/mo in rent and nets $125/mo after the $2,001/mo payment, a 8.62% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $122,945 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $4,098/yr in principal paydown, total projected return reaches $197,426.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $125 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $3,198 |
| Total Monthly Debt Service | $2,576 |
| DSCR Ratio | 1.24x |
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.
Condo
Built in 1974
418.18 sqft 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
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 1974
418.18 sqft 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BAREIS
Mls ID: #326051466