1042 5th AveChula VistaCA91911
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Chula Vista rental at 1042 5th Ave, Chula Vista, CA, 91911 sits in the solid-income band: 8.24% gross yield, $5,405/mo rent, $536/mo net after the $3,539/mo debt service, DSCR 1.53. Entry price of $787,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $217,434 and $7,248/yr in principal reduction bring total cumulative return to $332,938.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.5% |
| Monthly Cash Flow | $536 | $300 |
City averages based on Chula Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,405 |
| Total Monthly Debt Service | $4,555 |
| DSCR Ratio | 1.19x |
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 1940
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91911, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,528 (100%) |
| Owner Occupied HU | 13,305 (50.2%) |
| Renter Occupied HU | 12,508 (47.2%) |
| Vacant Housing Units | 715 ( 2.7%) |
| Median Home Value | $656,937 |
| Average Home Value | $674,205 |
Housing Distribution
Address Breakdown
Residential
25,750
Single Family
20,938
Multi-Family
4,812
Businesses
2,026
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 1940
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 91911, Chula Vista, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,528 (100%) |
| Owner Occupied HU | 13,305 (50.2%) |
| Renter Occupied HU | 12,508 (47.2%) |
| Vacant Housing Units | 715 ( 2.7%) |
| Median Home Value | $656,937 |
| Average Home Value | $674,205 |
Housing Distribution
Address Breakdown
Residential
25,750
Single Family
20,938
Multi-Family
4,812
Businesses
2,026
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexandra Vinson Shepard • Alexandra Vinson Shepard
Mls Name: SDMLS
Mls ID: #250043408