563 2nd StHermosa BeachCA90254
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 563 2nd St, Hermosa Beach, CA, 90254 in Hermosa Beach is capital appreciation. Rental yield 4.32%. The 4.32% gross yield at $1,749,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $483,216 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.80) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $371,958.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 4.5% |
| Monthly Cash Flow | $(4,524) | $200 |
City averages based on Hermosa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,295 |
| Total Monthly Debt Service | $10,124 |
| DSCR Ratio | 0.62x |
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.
Multi Family
Built in 1918
2,478 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90254, Hermosa Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,921 (100%) |
| Owner Occupied HU | 4,169 (42.0%) |
| Renter Occupied HU | 4,954 (49.9%) |
| Vacant Housing Units | 798 ( 8.0%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,804,921 |
Housing Distribution
Address Breakdown
Residential
9,880
Single Family
6,872
Multi-Family
3,008
Businesses
1,029
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
Multi Family
Built in 1918
2,478 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90254, Hermosa Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,921 (100%) |
| Owner Occupied HU | 4,169 (42.0%) |
| Renter Occupied HU | 4,954 (49.9%) |
| Vacant Housing Units | 798 ( 8.0%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,804,921 |
Housing Distribution
Address Breakdown
Residential
9,880
Single Family
6,872
Multi-Family
3,008
Businesses
1,029
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gianluca Jacoli • Shield CRE, Inc.
Mls Name: CLAW
Mls ID: #26647449