Evaluated
497 Sebastopol Ave
At our cautious numbers, renting and putting the same money in index funds comes out ahead. It did not pass our bar.
95401 · North Bay
Underwritten as of 2026-09-07 · record v5
Published at our defaults: loses to the S&P, behind by $50,016 · S&P breakeven 9.4% first-pass screen
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Property facts
| Asking price | $1,075,000 |
|---|---|
| Units | 4 |
| Beds / baths | 6 / 4 |
| Square feet | 2,910 |
| Year built | 1970 |
| Property type | Multi-Family |
Unit count verified: 4 units, corroborated by the listing itself.
Where these numbers come from
Of the 10 inputs behind this analysis, 5 trace to evidence (our listing feed, area comps, county records); 2 are standing conventions; 2 are derived from other inputs.
- Purchase price: our listing feed · corroborated
- Rent while you live in one unit: derived from other inputs here · single source
- Rent after you move out: a standing area-research rule · single source
- The rent you would pay on the never-buy path: a standing area-research rule · single source
- Property tax rate: a standing area-research rule · single source
- Unit count: our listing feed · corroborated
A standing convention is a deliberate modeling choice we apply to every deal. We flag it rather than dress it up as evidence.
What we could not verify
- How far these numbers could move: we run that spread only for the eight strongest properties in each ZIP, and this one was not among them. The cautious numbers above are the only ones we have for it.
Members on a paid plan can request verification.
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Record v5 · engine aafb236 · profile fha-house-hack