12584 Montecito Rd #5Seal BeachCA90740
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 12584 Montecito Rd #5, Seal Beach, CA, 90740 in Seal Beach at $589,000 earns $3,774/mo in rent and nets $130/mo after the $2,649/mo payment, a 7.69% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $162,730 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $5,425/yr in principal paydown, total projected return reaches $231,728.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $130 | $500 |
City averages based on Seal Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,774 |
| Total Monthly Debt Service | $3,409 |
| DSCR Ratio | 1.11x |
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 1978
0.25 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 1978
0.25 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: Paul Phillips • Durus Real Estate
Mls Name: CRMLS
Mls ID: #PW25178349