1032 Railroad StJacumbaCA91934
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1032 Railroad St, Jacumba, CA, 91934 in Jacumba: $6,034/mo in rent, $4,184/mo net, 24.22% gross yield, all on a $299,000 acquisition. The 4.49 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $82,608 in value, and $2,754/yr in principal paydown steadily builds equity. Projected total cumulative return: $382,668.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24.2% | 6.0% |
| Monthly Cash Flow | $4,184 | $1,200 |
City averages based on Jacumba market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,034 |
| Total Monthly Debt Service | $1,731 |
| DSCR Ratio | 3.49x |
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 1947
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91934, Jacumba, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 355 (100%) |
| Owner Occupied HU | 189 (53.2%) |
| Renter Occupied HU | 126 (35.5%) |
| Vacant Housing Units | 40 (11.3%) |
| Median Home Value | $415,979 |
| Average Home Value | $411,310 |
Housing Distribution
Address Breakdown
Residential
40
Single Family
40
Multi-Family
0
Businesses
22
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 1947
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91934, Jacumba, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 355 (100%) |
| Owner Occupied HU | 189 (53.2%) |
| Renter Occupied HU | 126 (35.5%) |
| Vacant Housing Units | 40 (11.3%) |
| Median Home Value | $415,979 |
| Average Home Value | $411,310 |
Housing Distribution
Address Breakdown
Residential
40
Single Family
40
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices