0 Madison StMontereyCA93940
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow0 Madison St, Monterey, CA, 93940 in Monterey is a top-tier cash-flow asset. At $200,000 it produces $5,665/mo in rent and $4,428/mo in net monthly income, a 33.99% gross rental yield. The DSCR of 6.30 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $53,136. Five-year appreciation adds $55,256, driving a total cumulative return of $360,791.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 34% | 5.0% |
| Monthly Cash Flow | $4,428 | $250 |
City averages based on Monterey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,665 |
| Total Monthly Debt Service | $1,158 |
| DSCR Ratio | 4.89x |
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.
Lot
Built in N/A
8,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93940, Monterey, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,195 (100%) |
| Owner Occupied HU | 5,474 (36.0%) |
| Renter Occupied HU | 8,085 (53.2%) |
| Vacant Housing Units | 1,636 (10.8%) |
| Median Home Value | $1,052,750 |
| Average Home Value | $1,188,289 |
Housing Distribution
Address Breakdown
Residential
15,034
Single Family
13,351
Multi-Family
1,683
Businesses
2,778
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
Lot
Built in N/A
8,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93940, Monterey, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,195 (100%) |
| Owner Occupied HU | 5,474 (36.0%) |
| Renter Occupied HU | 8,085 (53.2%) |
| Vacant Housing Units | 1,636 (10.8%) |
| Median Home Value | $1,052,750 |
| Average Home Value | $1,188,289 |
Housing Distribution
Address Breakdown
Residential
15,034
Single Family
13,351
Multi-Family
1,683
Businesses
2,778
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices