14051407 Beach St #1405San Luis ObispoCA93401
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 14051407 Beach St #1405, San Luis Obispo, CA, 93401 in San Luis Obispo worth study. Rental yield 3.87%. The 3.87% gross yield is below cash-flow benchmarks at $1,488,000, but 5% annual appreciation, adding $411,107 over five years, frames this as a capital growth position. Rent of $4,800/mo partially offsets the $7,054/mo payment. Ziffy Mortgage finances appreciation-play properties (0.68 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $252,728.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.2% |
| Monthly Cash Flow | $(4,405) | $300 |
City averages based on San Luis Obispo 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 | $4,800 |
| Total Monthly Debt Service | $8,976 |
| DSCR Ratio | 0.53x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2019
3,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93401, San Luis Obispo, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,857 (100%) |
| Owner Occupied HU | 7,207 (45.4%) |
| Renter Occupied HU | 7,054 (44.5%) |
| Vacant Housing Units | 1,596 (10.1%) |
| Median Home Value | $999,714 |
| Average Home Value | $1,133,947 |
Housing Distribution
Address Breakdown
Residential
14,795
Single Family
13,129
Multi-Family
1,666
Businesses
2,818
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Hrabe • Vintage Investment Properties
Mls Name: CRMLS
Mls ID: #PI25229387
