1077 Pearl AveMoss BeachCA94038
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.13% gross rental yield, 1077 Pearl Ave, Moss Beach, CA, 94038 in Moss Beach is priced for capital growth, not immediate cash flow. The $1,585,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $437,906 by year five, with $14,598/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.95) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $406,005.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(3,030) | $1,500 |
City averages based on Moss Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,775 |
| Total Monthly Debt Service | $9,174 |
| DSCR Ratio | 0.74x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1981
6,029 sqft 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
Single Family
Built in 1981
6,029 sqft 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: Jan & Barbara • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls ID: #ML82027033