200 S Ranch RdPescaderoCA94060
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 200 S Ranch Rd, Pescadero, CA, 94060 in Pescadero the bet is firmly on appreciation. Rental yield 3.25%. The 3.25% gross yield on a $1,950,000 price is below income-first thresholds, but 5%/yr value growth projects $538,749 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.84) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $437,121.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 5.0% |
| Monthly Cash Flow | $(7,820) | $1,500 |
City averages based on Pescadero market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,365 |
| Total Monthly Debt Service | $11,287 |
| DSCR Ratio | 0.65x |
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 1984
20.64 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 1984
20.64 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: Jakki Harlan • Golden Gate Sotheby's International Realty
Mls Name: MLSListings Inc
Mls ID: #ML82001349