700 Cedar StMontaraCA94037
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 700 Cedar St, Montara, CA, 94037 in Montara earns a 9.26% gross yield at $699,000. Rent of $5,396/mo nets $1,072/mo after the $3,143/mo mortgage. The 1.72 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $193,121 and $6,438/yr in equity accumulation project a total cumulative return of $334,065.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.2% |
| Monthly Cash Flow | $1,072 | $1,200 |
City averages based on Montara market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,396 |
| Total Monthly Debt Service | $4,046 |
| DSCR Ratio | 1.33x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Lot
Built in N/A
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94037, Montara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,048 (100%) |
| Owner Occupied HU | 832 (79.4%) |
| Renter Occupied HU | 168 (16.0%) |
| Vacant Housing Units | 48 ( 4.6%) |
| Median Home Value | $1,635,593 |
| Average Home Value | $1,623,768 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
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
Lot
Built in N/A
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94037, Montara, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,048 (100%) |
| Owner Occupied HU | 832 (79.4%) |
| Renter Occupied HU | 168 (16.0%) |
| Vacant Housing Units | 48 ( 4.6%) |
| Median Home Value | $1,635,593 |
| Average Home Value | $1,623,768 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices