12200 Montecito Rd APT G101Seal BeachCA90740
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 12200 Montecito Rd APT G101, Seal Beach, CA, 90740 in Seal Beach is listed at $674,900 and delivers $4,788/mo in rent and $613/mo in net monthly cash flow. The 8.51% yield and 1.58 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $186,462 over five years, and $6,216/yr in principal reduction supplements cash return. Total projected cumulative return: $295,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $613 | $500 |
City averages based on Seal Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,788 |
| Total Monthly Debt Service | $3,907 |
| DSCR Ratio | 1.23x |
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.
Condo
Built in 1969
9.24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90740, Seal Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,241 (100%) |
| Owner Occupied HU | 9,684 (68.0%) |
| Renter Occupied HU | 3,384 (23.8%) |
| Vacant Housing Units | 1,173 ( 8.2%) |
| Median Home Value | $687,252 |
| Average Home Value | $877,463 |
Housing Distribution
Address Breakdown
Residential
14,002
Single Family
12,039
Multi-Family
1,963
Businesses
1,120
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
Condo
Built in 1969
9.24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90740, Seal Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,241 (100%) |
| Owner Occupied HU | 9,684 (68.0%) |
| Renter Occupied HU | 3,384 (23.8%) |
| Vacant Housing Units | 1,173 ( 8.2%) |
| Median Home Value | $687,252 |
| Average Home Value | $877,463 |
Housing Distribution
Address Breakdown
Residential
14,002
Single Family
12,039
Multi-Family
1,963
Businesses
1,120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nicholas Jenkins • Faith Real Estate Inc.
Mls Name: CRMLS
Mls ID: #DW25179515