CashFlowRE
Sign in Sign up
2412 Foothill Blvd #42
C+ Composite 63.12
Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +27.6/30.0
  • DSCR +9.7/10.0
  • ARV discount +7.5/15.0
  • 1% rule +6.2/10.0
  • Schools +3.9/10.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$325,000

2412 Foothill Blvd #42 · Calistoga, CA 94515
3 bd · 2.0 ba · 1,440 sqft · Manufactured · 272 Days on market
Built 2014 $226/sqft · 112% above area ↓ 7% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to this charming 3-bedroom, 2-bath manufactured home built in 2014, located in the Rancho de Calistoga 55+ community. This move-in ready residence offers a spacious open-concept layout with a well-appointed kitchen featuring a center island, perfect for entertaining or casual dining. Enjoy year-round comfort with central heat and air, and the convenience of an inside laundry area. Step outside to your private outdoor dining area, ideal for morning coffee or evening gatherings. A large outdoor storage shed provides ample space for tools, hobbies, or seasonal items. Rancho de Calistoga offers a wealth of amenities including a clubhouse with a library, game room, and full kitchen, a heated swimming pool, hot tub, barbecue area, and a fully equipped exercise room. RV and boat owners will appreciate the on-site storage facilities, and a scenic community path provides easy access to downtown Calistoga, approximately 1.5 miles away. Don't miss your chance to enjoy relaxed Wine Country living with an abundance of community features in one of Calistoga's most welcoming neighborhoods.

Key facts

  • Heated swimming pool
  • Open-concept layout
  • 2 parking spots

Tags

OPEN-CONCEPT LAYOUTWELL-APPOINTED KITCHENPRIVATE OUTDOOR DINING AREALARGE OUTDOOR STORAGE SHEDCLUBHOUSE WITH LIBRARYHEATED SWIMMING POOL

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath manufactured listed at $325k.

Deal economics

  • At list price, monthly cash flow is $970 ($12k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $325k).
  • Recommended offer: $286k (12.0% below list) — sets the bar for market timing.
  • Cap rate 9.9% vs local median 2.4% in Calistoga — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 63/100 on livability (#448 in CA) — a middle-class / working-renter tenant base. Strengths: health & safety A+, employment A-; Watch: amenities F, commute F, cost of living F.
  • Calistoga Joint Unified (town): math 33% / reading 51% proficiency, ranked #624 of 1,400 in CA (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Calistoga Elementary (412 students, 82% FRL); Calistoga Junior/Senior High (380 students, 80% FRL) — zoned schools average 81% FRL vs 58% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: 107 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 427 units permitted in Napa County in 2024 (189 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
  • Napa County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $91k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 272 days — a 12% lower offer ($286k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.
Recommended offer $286,000 (12.0% below list)

Questions for the listing agent

  1. It's been on market 272 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.12%
Cap rate
9.87%
Cash-on-cash
12.79%
DSCR
1.57
GRM
7.4

CMA / ARV

ARV (median comp)
$153,000
List price
$325,000
Delta
112.42%
Verdict
OVERPRICED
Comps
13 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2412 Foothill Blvd #178 0.10mi 2/2.0 (-1) 1,440 (0%) 0mo $290,000 $201 90
2412 Foothill Blvd #143 0.10mi 2/2.0 (-1) 1,440 (0%) 4mo $116,000 $81 87
2412 Foothill Blvd #110 0.01mi 2/2.0 (-1) 1,400 (-3%) 4mo $235,000 $168 86
2412 Foothill Blvd #41 0.01mi 3/2.0 1,344 (-7%) 3mo $164,000 $122 86
2412 Foothill Blvd #132 Blvd #132 0.10mi 2/2.0 (-1) 1,400 (-3%) 4mo $290,000 $207 82
2412 Foothill Blvd #63 0.00mi 2/2.0 (-1) 1,344 (-7%) 2mo $92,500 $69 82
2412 Foothill Blvd #173 0.01mi 4/2.0 (+1) 1,332 (-8%) 1mo $135,000 $101 81
2412 Foothill Blvd #15 0.01mi 2/2.0 (-1) 1,267 (-12%) 0mo $208,950 $165 74
2412 Foothill Blvd #71 0.10mi 2/2.0 (-1) 1,248 (-13%) 1mo $99,900 $80 68
2412 Foothill Blvd #20 0.01mi 3/2.0 1,232 (-14%) 10mo $155,000 $126 67
2412 Foothill Blvd #166 0.10mi 2/2.0 (-1) 1,248 (-13%) 3mo $153,000 $123 65
2412 Foothill Blvd #12 0.10mi 2/2.0 (-1) 1,586 (+10%) 10mo $167,000 $105 65

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
2.6%
Equity multiple
1.10×
Total profit
$8,944
Equity at exit
$48,459
10-year hold
IRR
12.1%
Equity multiple
1.95×
Total profit
$86,711
Equity at exit
$28,100

Cash invested: $91,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 94515

Active inventory
107
Price-to-rent
7.4×

Monthly cashflow live

Estimated rent
$3,654 medium interval (Pro) →
Mortgage (P&I)
$1,704
Tax from tax record
$78 /mo · $932/yr
Insurance
$135
HOA
$0
Vacancy / Maint / Mgmt
$767
Net cashflow
$970

Break-even live

Break-even rent $2,427
Max offer price $325,000
Occupancy floor 68%

Sensitivity live

Price -10% $1,154 -5% $1,062 +0% $970 +5% $878 +10% $786
Rent -10% $681 -5% $825 +0% $970 +5% $1,114 +10% $1,258
Rate -1.0pp $1,133 -0.5pp $1,052 base $970 +0.5pp $885 +1.0pp $800

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$81,250
Closing costs
$9,750
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 3 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1700 Cedar St Calistoga, CA 2.0 1.0 962 $3,200 $3.33 15d 1 0.43mi
1612 Grant St Calistoga, CA 3.0 2.0 1625 $3,795 $2.34 45d 1 0.68mi
2014 Tablerock Ct Calistoga, CA 3.0 2.0 1459 $4,095 $2.81 15d 1 0.83mi

Listing history 19 events

  1. 2026-06-21
    days on market $325,000 Active 272 DOM
  2. 2026-06-18
    days on market $325,000 Active 269 DOM
  3. 2026-06-17
    days on market $325,000 Active 268 DOM
  4. 2026-06-16
    days on market $325,000 Active 267 DOM
  5. 2026-06-15
    days on market $325,000 Active 266 DOM
  6. 2026-06-14
    days on market $325,000 Active 264 DOM
  7. 2026-06-13
    days on market $325,000 Active 263 DOM
  8. 2026-06-10
    days on market $325,000 Active 261 DOM
  9. 2026-06-09
    days on market $325,000 Active 260 DOM
  10. 2026-06-08
    days on market $325,000 Active 259 DOM
  11. 2026-06-07
    days on market $325,000 Active 258 DOM
  12. 2026-06-05
    days on market $325,000 Active 255 DOM
  13. 2026-06-03
    days on market $325,000 Active 254 DOM
  14. 2026-06-02
    days on market $325,000 Active 253 DOM
  15. 2026-06-01
    days on market $325,000 Active 252 DOM
  16. 2026-05-31
    days on market $325,000 Active 251 DOM
  17. 2026-05-30
    days on market $325,000 Active 250 DOM
  18. 2026-02-04
    price $325,000 1109-char remark
    Show marketing remark (1109 chars)

    Welcome to this charming 3-bedroom, 2-bath manufactured home built in 2014, located in the Rancho de Calistoga 55+ community. This move-in ready residence offers a spacious open-concept layout with a well-appointed kitchen featuring a center island, perfect for entertaining or casual dining. Enjoy year-round comfort with central heat and air, and the convenience of an inside laundry area. Step outside to your private outdoor dining area, ideal for morning coffee or evening gatherings. A large outdoor storage shed provides ample space for tools, hobbies, or seasonal items. Rancho de Calistoga offers a wealth of amenities including a clubhouse with a library, game room, and full kitchen, a heated swimming pool, hot tub, barbecue area, and a fully equipped exercise room. RV and boat owners will appreciate the on-site storage facilities, and a scenic community path provides easy access to downtown Calistoga, approximately 1.5 miles away. Don't miss your chance to enjoy relaxed Wine Country living with an abundance of community features in one of Calistoga's most welcoming neighborhoods.

  19. 2025-09-23
    listed $350,000 Active 1109-char remark
    Show marketing remark (1109 chars)

    Welcome to this charming 3-bedroom, 2-bath manufactured home built in 2014, located in the Rancho de Calistoga 55+ community. This move-in ready residence offers a spacious open-concept layout with a well-appointed kitchen featuring a center island, perfect for entertaining or casual dining. Enjoy year-round comfort with central heat and air, and the convenience of an inside laundry area. Step outside to your private outdoor dining area, ideal for morning coffee or evening gatherings. A large outdoor storage shed provides ample space for tools, hobbies, or seasonal items. Rancho de Calistoga offers a wealth of amenities including a clubhouse with a library, game room, and full kitchen, a heated swimming pool, hot tub, barbecue area, and a fully equipped exercise room. RV and boat owners will appreciate the on-site storage facilities, and a scenic community path provides easy access to downtown Calistoga, approximately 1.5 miles away. Don't miss your chance to enjoy relaxed Wine Country living with an abundance of community features in one of Calistoga's most welcoming neighborhoods.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$932 · $78/mo
Projected year-2 tax
$2,470 · $206/mo
Expected delta
+$1,538/yr (+$128/mo · 165.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 7/10 Severe
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 10/10 Extreme 29 unhealthy d/yr today · 30 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$43,854
− Mortgage interest
−$18,205
− Property taxes
−$932
− Insurance
−$1,625
− Repairs & maintenance
−$3,508
− Management
−$3,508
− Depreciation
−$9,455
Taxable income
$6,620
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,589
After-tax cash flow
$10,046/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Calistoga Joint Unified
NCES district ID
0607020
Math proficiency
33% ▲ 2.00%
Reading proficiency
51% ▲ 5.00%
Median HH income
$60,716
Composite
39.48/100
National rank
#8101
State rank
#624 of 1400 in CA

Livability — Calistoga

Score
63/100
State rank
#448
US rank
#15176

Category grades

Amenities F Commute F Cost of living F Crime B- Employment A- Housing B- Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Calistoga, CA
Population (ZIP)
6,921

Population outlook (Napa County) Hauer SSP2

Today (2025)
153,987 people
By 2030
159,490 · +3.6%
By 2040
168,796 · +9.6%
By 2050
176,213 · +14.4%
By 2075
190,113 · +23.5%
By 2100
190,528 · +23.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Majority White (55%)
Race & ethnicity
White 55% Hispanic / Latino 41% Two or more races 18% Asian 2% Black 1%
Hispanic origin (detail)
Mexican 38%
Common ancestry
Italian 3% Lithuanian 2% Portuguese 2%
Foreign-born
25% · Canada
Languages at home
64% English-only · Spanish 34% Russian/Polish/Slavic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Napa

2024 margin
Solid D (+34.9) · D 65.9% · R 31.1% · Other 3.0%
2008→2024 swing
+2.4pp toward D · 2008: 32.5pp · 2024: 34.9pp
All cycles
2024: D+34.9 2020: D+40.4 2016: D+35.2 2012: D+25.7 2008: D+32.5

Not yet ingested

Civics

Market trends

HPI YoY
▼ -476.46%
Current HPI
244.6548
Rent YoY
Metro
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

-7.1% since first listed
2 events — show timeline
  • 2026-02-04 Price Changed $325,000 BAREIS
  • 2025-09-23 Listed $350,000 BAREIS

Property tax history

+1.7%/yr

Latest (2025): $932 · +15.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…