221 Bayberry Cir #64PacificaCA94044
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Pacifica rental at 221 Bayberry Cir #64, Pacifica, CA, 94044 sits in the solid-income band: 9.45% gross yield, $9,352/mo rent, $1,609/mo net after the $5,342/mo debt service, DSCR 1.75. Entry price of $1,188,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $328,223 and $10,942/yr in principal reduction bring total cumulative return to $555,708.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.2% |
| Monthly Cash Flow | $1,609 | $1,200 |
City averages based on Pacifica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,352 |
| Total Monthly Debt Service | $7,270 |
| DSCR Ratio | 1.29x |
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 2007
3,012 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94044, Pacifica, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,705 (100%) |
| Owner Occupied HU | 9,684 (65.9%) |
| Renter Occupied HU | 4,526 (30.8%) |
| Vacant Housing Units | 495 ( 3.4%) |
| Median Home Value | $1,299,207 |
| Average Home Value | $1,367,093 |
Housing Distribution
Address Breakdown
Residential
14,504
Single Family
12,051
Multi-Family
2,453
Businesses
849
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 2007
3,012 sqft lot
$N/A/sqft
$150 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94044, Pacifica, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,705 (100%) |
| Owner Occupied HU | 9,684 (65.9%) |
| Renter Occupied HU | 4,526 (30.8%) |
| Vacant Housing Units | 495 ( 3.4%) |
| Median Home Value | $1,299,207 |
| Average Home Value | $1,367,093 |
Housing Distribution
Address Breakdown
Residential
14,504
Single Family
12,051
Multi-Family
2,453
Businesses
849
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices