6442 Lunita Rd #126MalibuCA90265
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 6442 Lunita Rd #126, Malibu, CA, 90265 in Malibu worth study. Rental yield 3.7%. The 3.7% gross yield is below cash-flow benchmarks at $1,945,000, but 5% annual appreciation, adding $537,368 over five years, frames this as a capital growth position. Rent of $5,997/mo partially offsets the $8,746/mo payment. Ziffy Mortgage finances appreciation-play properties (0.69 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $349,115.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 5.0% |
| Monthly Cash Flow | $(6,035) | $1,500 |
City averages based on Malibu market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,997 |
| Total Monthly Debt Service | $11,258 |
| DSCR Ratio | 0.53x |
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 2000
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90265, Malibu, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,642 (100%) |
| Owner Occupied HU | 3,955 (51.8%) |
| Renter Occupied HU | 1,500 (19.6%) |
| Vacant Housing Units | 2,187 (28.6%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,834,116 |
Housing Distribution
Address Breakdown
Residential
7,634
Single Family
6,864
Multi-Family
770
Businesses
763
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 2000
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 90265, Malibu, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,642 (100%) |
| Owner Occupied HU | 3,955 (51.8%) |
| Renter Occupied HU | 1,500 (19.6%) |
| Vacant Housing Units | 2,187 (28.6%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $1,834,116 |
Housing Distribution
Address Breakdown
Residential
7,634
Single Family
6,864
Multi-Family
770
Businesses
763
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Gardner • Compass
Mls Name: CLAW
Mls ID: #25570617