12901 Cabrillo HwyPescaderoCA94060
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play12901 Cabrillo Hwy, Pescadero, CA, 94060 in Pescadero is priced for appreciation, not yield. Rental yield 4.77%. At $1,895,000 with a 4.77% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $523,554 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.88) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $449,073.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.0% |
| Monthly Cash Flow | $(4,188) | $1,500 |
City averages based on Pescadero market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,535 |
| Total Monthly Debt Service | $10,969 |
| DSCR Ratio | 0.69x |
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 2012
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94060, Pescadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 216 (39.7%) |
| Renter Occupied HU | 244 (44.9%) |
| Vacant Housing Units | 84 (15.4%) |
| Median Home Value | $1,376,471 |
| Average Home Value | $1,505,556 |
Housing Distribution
Address Breakdown
Residential
98
Single Family
98
Multi-Family
0
Businesses
59
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 2012
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94060, Pescadero, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 216 (39.7%) |
| Renter Occupied HU | 244 (44.9%) |
| Vacant Housing Units | 84 (15.4%) |
| Median Home Value | $1,376,471 |
| Average Home Value | $1,505,556 |
Housing Distribution
Address Breakdown
Residential
98
Single Family
98
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82036558