2986 Pebble Beach CircleFairfieldCA94534
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2986 Pebble Beach Circle, Fairfield, CA, 94534 in Fairfield worth study. Rental yield 4.2%. The 4.2% gross yield is below cash-flow benchmarks at $1,122,000, but 5% annual appreciation, adding $309,988 over five years, frames this as a capital growth position. Rent of $4,461/mo partially offsets the $5,045/mo payment. Ziffy Mortgage finances appreciation-play properties (0.88 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $238,320.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.0% |
| Monthly Cash Flow | $(3,790) | $300 |
City averages based on Fairfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,461 |
| Total Monthly Debt Service | $6,954 |
| DSCR Ratio | 0.64x |
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 2006
9,522 sqft lot
$N/A/sqft
$205 quarterly HOA
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 2006
9,522 sqft lot
$N/A/sqft
$205 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Preston • Coldwell Banker Kappel Gateway
Mls Name: BAREIS
Mls Provider:
Mls ID: #325052952
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