100 Palmetto AvePacificaCA94044
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play100 Palmetto Ave, Pacifica, CA, 94044 in Pacifica is priced for appreciation, not yield. Rental yield 5.3%. At $1,550,000 with a 5.3% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $428,236 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.93) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $381,921.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.2% |
| Monthly Cash Flow | $(2,745) | $1,200 |
City averages based on Pacifica 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 | $6,844 |
| Total Monthly Debt Service | $9,350 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
4.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94044, Pacifica, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,705 (100%) |
| Owner Occupied HU | 9,684 (65.9%) |
| Renter Occupied HU | 4,526 (30.8%) |
| Vacant Housing Units | 495 ( 3.4%) |
| Median Home Value | $1,299,207 |
| Average Home Value | $1,367,093 |
Housing Distribution
Address Breakdown
Residential
14,504
Single Family
12,051
Multi-Family
2,453
Businesses
849
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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: Vlad Okel • Capital Group Realty, Inc.
Mls Name: MetroList Services of CA
Mls ID: #424011116
