1021 Scott St APT 256San DiegoCA92106
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1021 Scott St APT 256, San Diego, CA, 92106 in San Diego is priced for appreciation, not yield. Rental yield 5.72%. At $568,000 with a 5.72% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $156,928 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.06) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $163,548.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 4.8% |
| Monthly Cash Flow | $(1,216) | $1,850 |
City averages based on San Diego market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,708 |
| Total Monthly Debt Service | $3,288 |
| DSCR Ratio | 0.82x |
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.
Condo
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92106, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,375 (100%) |
| Owner Occupied HU | 4,678 (55.9%) |
| Renter Occupied HU | 3,065 (36.6%) |
| Vacant Housing Units | 632 ( 7.5%) |
| Median Home Value | $1,437,313 |
| Average Home Value | $1,496,033 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
6,257
Multi-Family
1,895
Businesses
782
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
Condo
Built in 1980
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92106, San Diego, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,375 (100%) |
| Owner Occupied HU | 4,678 (55.9%) |
| Renter Occupied HU | 3,065 (36.6%) |
| Vacant Housing Units | 632 ( 7.5%) |
| Median Home Value | $1,437,313 |
| Average Home Value | $1,496,033 |
Housing Distribution
Address Breakdown
Residential
8,152
Single Family
6,257
Multi-Family
1,895
Businesses
782
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle R Cayton • Compass
Mls Name: SDMLS
Mls ID: #2600329