109 Surfside AveSurfsideCA90743
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Surfside at 109 Surfside Ave, Surfside, CA, 90743 projects strong ROI of 0.4%. Rental yield 1.14%. With 5% annual appreciation, the property builds $1,519,272 in value over five years. Equity growth combined delivers a projected five-year ROI of 14.93%, translating into $231,904 in total cumulative return on $1,553,468 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 5.8% |
| Monthly Cash Flow | $(28,858) | $300 |
City averages based on Surfside 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 | $5,220 |
| Total Monthly Debt Service | $31,830 |
| DSCR Ratio | 0.16x |
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 1980
1,516 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90743, Surfside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 302 (100%) |
| Owner Occupied HU | 118 (39.1%) |
| Renter Occupied HU | 100 (33.1%) |
| Vacant Housing Units | 84 (27.8%) |
| Median Home Value | $1,750,000 |
| Average Home Value | $1,683,898 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
16
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 1980
1,516 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90743, Surfside, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 302 (100%) |
| Owner Occupied HU | 118 (39.1%) |
| Renter Occupied HU | 100 (33.1%) |
| Vacant Housing Units | 84 (27.8%) |
| Median Home Value | $1,750,000 |
| Average Home Value | $1,683,898 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CRMLS
Mls ID: #PW26133892