6287 Kestrel LnAvila BeachCA93424
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6287 Kestrel Ln, Avila Beach, CA, 93424 in Avila Beach is capital appreciation. Rental yield 4.63%. The 4.63% gross yield at $1,480,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $408,897 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.86) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $339,845.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.0% |
| Monthly Cash Flow | $(3,440) | $1,500 |
City averages based on Avila Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,716 |
| Total Monthly Debt Service | $8,567 |
| DSCR Ratio | 0.67x |
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 1999
4,523 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93424, Avila Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 934 (100%) |
| Owner Occupied HU | 466 (49.9%) |
| Renter Occupied HU | 205 (21.9%) |
| Vacant Housing Units | 263 (28.2%) |
| Median Home Value | $1,428,571 |
| Average Home Value | $1,463,637 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
109
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 1999
4,523 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 93424, Avila Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 934 (100%) |
| Owner Occupied HU | 466 (49.9%) |
| Renter Occupied HU | 205 (21.9%) |
| Vacant Housing Units | 263 (28.2%) |
| Median Home Value | $1,428,571 |
| Average Home Value | $1,463,637 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
109
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James LaMarca • Mid Coast Realty
Mls Name: CRMLS
Mls ID: #PI25233194