1017-19 12th StImperial BeachCA91932
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1017-19 12th St, Imperial Beach, CA, 91932 in Imperial Beach. At $899,000 it earns $7,010/mo in rent and distributes $1,449/mo to the owner after the $4,042/mo payment, a consistent 9.36% yield. DSCR 1.73 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $248,377 in value; $8,280/yr in principal paydown compounds ownership stake. Total projected return: $434,108.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.2% |
| Monthly Cash Flow | $1,449 | $300 |
City averages based on Imperial Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,010 |
| Total Monthly Debt Service | $5,204 |
| DSCR Ratio | 1.35x |
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.
Multi Family
Built in 1957
7,330 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91932, Imperial Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,139 (100%) |
| Owner Occupied HU | 3,032 (29.9%) |
| Renter Occupied HU | 6,365 (62.8%) |
| Vacant Housing Units | 742 ( 7.3%) |
| Median Home Value | $883,246 |
| Average Home Value | $945,678 |
Housing Distribution
Address Breakdown
Residential
9,970
Single Family
7,157
Multi-Family
2,813
Businesses
325
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
Multi Family
Built in 1957
7,330 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91932, Imperial Beach, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,139 (100%) |
| Owner Occupied HU | 3,032 (29.9%) |
| Renter Occupied HU | 6,365 (62.8%) |
| Vacant Housing Units | 742 ( 7.3%) |
| Median Home Value | $883,246 |
| Average Home Value | $945,678 |
Housing Distribution
Address Breakdown
Residential
9,970
Single Family
7,157
Multi-Family
2,813
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices