440 Terrace Ave, Moss Beach, CA, 94038 | $293/mo Cash Flow

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Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Moss Beach at 440 Terrace Ave, Moss Beach, CA, 94038 offers a 8.07% rental yield on a $1,315,000 purchase with $8,848/mo rent. Total monthly income registers $8,848/mo, and a $6,436/mo payment leaves $293/mo available for distribution. Annual cash flow reaches $3,512/yr on $426,060 to close, and return on cash invested stands at 21.19% in year one. Equity gained on principal adds $8,485/yr while 5% annual appreciation supports $363,310 over five years. Portfolio math shows five-year ROI at 110.06% and total cumulative return in cash at $468,921. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $8,848/mo property income against a $6,436/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1978

4,791 sqft lot

$N/A/sqft

No HOA

More details about the property

Desirable Westside location is just one of the many attractions of this spacious Moss Beach home with 4 bedrooms and 3 full bathrooms and approximately 2,150 square feet of living space. Experience this unique and bright home with exposed beam and vaulted ceilings in the upstairs main living area.

This floor plan offers warm hardwood floors, built in decorator cabinets, a cozy free standing gas fireplace, skylights that bring warmth and light into this very open space. The bright kitchen includes gas cook-top and plenty of counter-space along with fold down breakfast bar and separate dining area or work/office area. Retreat to the master suite and two other bedrooms fromt his second story living area. Expand your barbeque entertaining or just relax on the large front deck.

Entrance to the first level offers many possibilities with its separate bedroom, full bath, kitchen potential, family room with free standing wood burning fireplace and sunroom. Exit into the low maintenance fully fenced rear yard with basketball court, dog kennel, and additional storage. Exterior shower is an added feature to wash away the coastal sand from local Pacific Ocean beaches.

Neighborhood Data

Neighborhood data shown for ZIP Code: 94038, Moss Beach, CA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	1,099 (100%)
Owner Occupied HU	847 (77.1%)
Renter Occupied HU	171 (15.6%)
Vacant Housing Units	81 ( 7.4%)
Median Home Value	$1,445,341
Average Home Value	$1,399,274