1563 Old Creek CtCardiffCA92007
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder1563 Old Creek Ct, Cardiff, CA, 92007 in Cardiff is a solid income-producing rental, 7.63% gross yield, $10,171/mo rent, $213/mo net cash flow on a $1,600,000 buy. DSCR 1.41 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $442,051 and $14,736/yr in principal reduction project a total cumulative return of $620,630.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.5% |
| Monthly Cash Flow | $213 | $400 |
City averages based on Cardiff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $10,171 |
| Total Monthly Debt Service | $9,321 |
| DSCR Ratio | 1.09x |
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 1974
5,700 sqft lot
$N/A/sqft
$60 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 1974
5,700 sqft lot
$N/A/sqft
$60 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