321 7th StMontaraCA94037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 321 7th St, Montara, CA, 94037 in Montara fits: $1,310,000, 4.61% gross yield, and a projected 5% annual appreciation rate adding $361,929 in value within five years. Rental yield 4.61%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $12,065/yr in principal paydown and $361,929 in appreciation project a total return of $299,130.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.2% |
| Monthly Cash Flow | $(3,070) | $1,200 |
City averages based on Montara market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,034 |
| Total Monthly Debt Service | $7,583 |
| DSCR Ratio | 0.66x |
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 1958
4,500 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 1958
4,500 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: Hang T. Nguyen • Berkshire Hathaway Home Servic
Mls Name: SFAR
Mls Provider:
Mls ID: #425045300
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.