300 4th StMontaraCA94037
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe income profile at 300 4th St, Montara, CA, 94037 in Montara is straightforward: $1,220,000 in, $8,095/mo in rent, $463/mo out after debt service. The 7.96% gross yield and 1.48 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $337,064 by year five. With $11,236/yr in principal equity, the total cumulative return is projected at $492,704.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.2% |
| Monthly Cash Flow | $463 | $1,200 |
City averages based on Montara market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,095 |
| Total Monthly Debt Service | $7,147 |
| DSCR Ratio | 1.13x |
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 1964
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94037, Montara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,048 (100%) |
| Owner Occupied HU | 832 (79.4%) |
| Renter Occupied HU | 168 (16.0%) |
| Vacant Housing Units | 48 ( 4.6%) |
| Median Home Value | $1,635,593 |
| Average Home Value | $1,623,768 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
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 1964
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94037, Montara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,048 (100%) |
| Owner Occupied HU | 832 (79.4%) |
| Renter Occupied HU | 168 (16.0%) |
| Vacant Housing Units | 48 ( 4.6%) |
| Median Home Value | $1,635,593 |
| Average Home Value | $1,623,768 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kulda Group • KW Advisors
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82009323
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-08 08:59:24 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.