102 Retiro LnMoss BeachCA94038
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow102 Retiro Ln, Moss Beach, CA, 94038 in Moss Beach earns its strong cash-flow label: 11.73% yield, $4,400/mo rent, $1,616/mo net income, DSCR 2.17. The $450,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $124,327 by year five. Combined with $4,145/yr in principal paydown, total projected return reaches $274,656.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $1,616 | $1,500 |
City averages based on Moss Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,400 |
| Total Monthly Debt Service | $2,605 |
| DSCR Ratio | 1.69x |
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.
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94038, Moss Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,099 (100%) |
| Owner Occupied HU | 847 (77.1%) |
| Renter Occupied HU | 171 (15.6%) |
| Vacant Housing Units | 81 ( 7.4%) |
| Median Home Value | $1,445,341 |
| Average Home Value | $1,399,274 |
Housing Distribution
Address Breakdown
Residential
769
Single Family
769
Multi-Family
0
Businesses
65
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
Manufactured
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94038, Moss Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,099 (100%) |
| Owner Occupied HU | 847 (77.1%) |
| Renter Occupied HU | 171 (15.6%) |
| Vacant Housing Units | 81 ( 7.4%) |
| Median Home Value | $1,445,341 |
| Average Home Value | $1,399,274 |
Housing Distribution
Address Breakdown
Residential
769
Single Family
769
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marc Blumthal • Alliance Manufactured Homes
Mls Name: My State MLS
Mls ID: #11391618