4091 Pine Meadows WayPebble BeachCA93953
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4091 Pine Meadows Way, Pebble Beach, CA, 93953 in Pebble Beach is capital appreciation. Rental yield 3.77%. The 3.77% gross yield at $1,998,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $552,011 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.70) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $366,171.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(6,083) | $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 | $6,277 |
| Total Monthly Debt Service | $11,565 |
| DSCR Ratio | 0.54x |
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 1977
10,454 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
Single Family
Built in 1977
10,454 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: #ML82041185