865 Loma DrHermosa BeachCA90254
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 865 Loma Dr, Hermosa Beach, CA, 90254 in Hermosa Beach at $1,899,000, 4.32% gross yield, is a market-growth asset. Rental yield 4.32%. The $6,832/mo rent partially funds the $8,539/mo debt service; the core return is the 5%/yr price growth projected to add $524,659 over five years. Ziffy Mortgage's DSCR mortgage (0.80) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $385,586.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 4.5% |
| Monthly Cash Flow | $(5,218) | $200 |
City averages based on Hermosa Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,832 |
| Total Monthly Debt Service | $11,294 |
| DSCR Ratio | 0.60x |
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 1922
2,520 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
Single Family
Built in 1922
2,520 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