2265-2265A Manchester AveCardiff By The SeaCA92007
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Cardiff By The Sea at 2265-2265A Manchester Ave, Cardiff By The Sea, CA, 92007 projects strong ROI of 17.36%. Rental yield 5.93%. With 5% annual appreciation, the property builds $629,922 in value over five years. Equity growth combined delivers a projected five-year ROI of 105.87%, translating into $681,888 in total cumulative return on $644,100 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 4.2% |
| Monthly Cash Flow | $(2,837) | $1,200 |
City averages based on Cardiff By The Sea 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 | $11,267 |
| Total Monthly Debt Service | $13,197 |
| DSCR Ratio | 0.85x |
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.
Multi Family
Built in 2008
N/A lot
$N/A/sqft
No 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
Multi Family
Built in 2008
N/A lot
$N/A/sqft
No 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
Listed by: Sandi Lanzarotta Chan • Del Mar Property Management
Mls Name: SDMLS
Mls ID: #250039754