1261 Caminito SeptimoCardiffCA92007
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1261 Caminito Septimo, Cardiff, CA, 92007 in Cardiff deserves attention. This $814,900 property earns $7,128/mo in rent, a 10.5% gross yield, and nets $1,653/mo after the $3,664/mo payment. DSCR 1.95 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $225,142 compounds alongside $7,505/yr in yearly equity build, for a total cumulative return of $417,280.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 4.5% |
| Monthly Cash Flow | $1,653 | $400 |
City averages based on Cardiff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,128 |
| Total Monthly Debt Service | $5,151 |
| DSCR Ratio | 1.38x |
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.
Single Family
Built in 1977
1,416 sqft lot
$N/A/sqft
$434 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92007, Cardiff By The Sea, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,898 (100%) |
| Owner Occupied HU | 2,712 (55.4%) |
| Renter Occupied HU | 1,758 (35.9%) |
| Vacant Housing Units | 428 ( 8.7%) |
| Median Home Value | $1,669,375 |
| Average Home Value | $1,627,134 |
Housing Distribution
Address Breakdown
Residential
4,629
Single Family
4,434
Multi-Family
195
Businesses
476
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 1977
1,416 sqft lot
$N/A/sqft
$434 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92007, Cardiff By The Sea, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,898 (100%) |
| Owner Occupied HU | 2,712 (55.4%) |
| Renter Occupied HU | 1,758 (35.9%) |
| Vacant Housing Units | 428 ( 8.7%) |
| Median Home Value | $1,669,375 |
| Average Home Value | $1,627,134 |
Housing Distribution
Address Breakdown
Residential
4,629
Single Family
4,434
Multi-Family
195
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices