USDV Capital
Pacifica real estate

Pacifica

Pacifica, San Mateo County · San Francisco-Oakland-Berkeley, CA

Median Home Value

$1,255,426

-2.7%

Est. Cap Rate

2.1%

Based on rent yield × 65%

Vacancy Rate

4.3%

69% owner-occupied

Population

38K

Median income: $156,819

D
21/100Caution

Investment Score — Pacifica

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate2.1%
Rent Yield3.3%
Affordability$1,255,426
Occupancy95.7%
Appreciation-2.7%

Pacifica Investment Analysis

Pacifica (population 38K) offers median home values of $1,255,426 — positioning it as a premium market for investors. The 2.1% cap rate positions Pacifica as a premium appreciation market where equity growth drives returns. A modest 2.7% year-over-year decline suggests the market is cooling — favorable for buyers negotiating from strength. A healthy 32% renter population supports median rents of $3,444/month, providing reliable income streams for buy-and-hold investors.

Market Profile
Avg: 34/100
Cash Flow2.1% cap
Appreciation-2.7% YoY
Affordability$1255K
Occupancy95.7% occ.
Rent Yield3.3%
Employment99.9%
Price vs. Rent Analysis
Price-to-Rent Ratio30.4x
Cash FlowBalancedAppreciation

Appreciation-driven market — growth potential offsets thinner cash flow

Median Home Value

Zillow ZHVI

$1,255,426
Median Monthly Rent

Zillow ZORI

$3,444
Annual Rent
$41,328
Gross Rent Yield

Annual rent ÷ home value

3.3%

Market Details

Housing Stock

15K units

Single-family: 11K

Multifamily: 3K (19.5%)

Investment Metrics

Gross Yield 3.3%

Cap Rate 2.1%

Price-to-Rent 30.4 (Favors renting)

Property Tax $7,432/yr

Demographics

Median Income $156,819

Median Age 44.3

Employment 99.9%

Home Value Trends

1-Year Appreciation -2.7%

3-Year Appreciation +1.7%

5-Year Appreciation +6.9%

Rental Market

$3,444/mo

Renter population: 31.5%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population38K

3K/sq mi

Median Income$156,819

$69,917 per capita

Employment99.9%

3.3% unemployment

Occupancy95.7%

31.5% renters

College Educated48.5%
Median Age: 44.315K Housing UnitsMedian Built: 1966
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Property Details

$1,255,426
$100K$2M
25% ($313,857)
15%50%
7.50%
6%10%
$3,444

Investment Projection

Monthly Cash Flow

-$4,709

Cash-on-Cash

-18.0%

DSCR Ratio

0.52

Annual Cash Flow

-$56,506

Monthly P&I: $6,584 | Est. Expenses: $1,569

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Pacifica Investment Report

Comprehensive city market analysis

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Make data-driven investment decisions with our comprehensive city report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Pacifica deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

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Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
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Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
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Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
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DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
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Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
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Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
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Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Pacifica opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000

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