703 Etheldore StMoss BeachCA94038
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 703 Etheldore St, Moss Beach, CA, 94038 in Moss Beach: $11,400/mo in rent, $1,533/mo in net income, 8.58% gross yield, 1.59 DSCR, all at $1,595,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $440,669 in appreciation and $14,690/yr in principal paydown projects total cumulative return of $703,420.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $1,533 | $1,500 |
City averages based on Moss Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $11,400 |
| Total Monthly Debt Service | $9,232 |
| DSCR Ratio | 1.23x |
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.
Single Family
Built in 1980
5,000 sqft lot
$N/A/sqft
No HOA
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 |
Housing Distribution
Address Breakdown
Residential
769
Single Family
769
Multi-Family
0
Businesses
65
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 1980
5,000 sqft lot
$N/A/sqft
No HOA
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 |
Housing Distribution
Address Breakdown
Residential
769
Single Family
769
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices