40 Shepherds KnlPebble BeachCA93953
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 40 Shepherds Knl, Pebble Beach, CA, 93953 in Pebble Beach worth study. Rental yield 5.06%. The 5.06% gross yield is below cash-flow benchmarks at $1,195,000, but 5% annual appreciation, adding $330,156 over five years, frames this as a capital growth position. Rent of $5,042/mo partially offsets the $5,373/mo payment. Ziffy Mortgage finances appreciation-play properties (0.94 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $301,891.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(3,152) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,042 |
| Total Monthly Debt Service | $6,917 |
| DSCR Ratio | 0.73x |
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.
Condo
Built in 1982
1,688 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93953, Pebble Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,074 (100%) |
| Owner Occupied HU | 1,646 (53.5%) |
| Renter Occupied HU | 325 (10.6%) |
| Vacant Housing Units | 1,103 (35.9%) |
| Median Home Value | $1,728,618 |
| Average Home Value | $1,695,705 |
Housing Distribution
Address Breakdown
Residential
2,302
Single Family
2,180
Multi-Family
122
Businesses
134
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
Condo
Built in 1982
1,688 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93953, Pebble Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,074 (100%) |
| Owner Occupied HU | 1,646 (53.5%) |
| Renter Occupied HU | 325 (10.6%) |
| Vacant Housing Units | 1,103 (35.9%) |
| Median Home Value | $1,728,618 |
| Average Home Value | $1,695,705 |
Housing Distribution
Address Breakdown
Residential
2,302
Single Family
2,180
Multi-Family
122
Businesses
134
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82036514